<SEC-DOCUMENT>0000765207-13-000009.txt : 20130308
<SEC-HEADER>0000765207-13-000009.hdr.sgml : 20130308
<ACCEPTANCE-DATETIME>20130308143632
ACCESSION NUMBER:		0000765207-13-000009
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20121231
FILED AS OF DATE:		20130308
DATE AS OF CHANGE:		20130308

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			First Bancorp, Inc /ME/
		CENTRAL INDEX KEY:			0000765207
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				010404322
		STATE OF INCORPORATION:			ME
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26589
		FILM NUMBER:		13676742

	BUSINESS ADDRESS:	
		STREET 1:		P.O. BOX 940
		STREET 2:		MAIN STREET
		CITY:			DAMARISCOTTA
		STATE:			ME
		ZIP:			04543
		BUSINESS PHONE:		2075633195

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 940
		CITY:			DAMARISCOTTA
		STATE:			ME
		ZIP:			04543

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST NATIONAL LINCOLN CORP /ME/
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>thefirstbancorp10k2012.htm
<DESCRIPTION>ANNUAL 10-K FILING
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">UNITED STATES SECURITIES AND EXCHANGE COMMISSION</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">WASHINGTON, DC 20549</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 12pt; FONT-WEIGHT: bold">FORM 10-K</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">[X] Annual Report Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">For the Fiscal Year ended December 31, 2012</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Commission File Number 0-26589</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 18pt; FONT-WEIGHT: bold">THE FIRST BANCORP, INC.</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Exact name of Registrant as specified in its charter)</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">MAINE</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(State or other jurisdiction of incorporation or organization)</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(I.R.S. Employer Identification No.)</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Address of principal executive offices)</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;(Zip code)</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(207) 563-3195</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Registrant's telephone number, including area code</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Securities registered pursuant to Section 12(g) of the Act:</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Common Stock</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yes [_] &#160; &#160;No [X]</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yes [_] &#160; &#160;No [X]</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yes [X] &#160; &#160;No[_]</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K (&#167; 229.405 of this chapter) is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, or a non-accelerated filer. See definition of "accelerated filer and large accelerated filer" in Rule 12b-2 of the Exchange Act. (Check one):</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Large accelerated filer [_] &#160; &#160;Accelerated filer [X] &#160; &#160;Non-accelerated filer [_]</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Yes [_] &#160; &#160;No [X]</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State the aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Common Stock: $150,599,000</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Indicate the number of shares outstanding of each of the registrant's classes of common stock as of February 28, 2013</div>

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<div style="TEXT-ALIGN: center; MARGIN-TOP: 3pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Common Stock: 9,892,466 shares</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Table of Contents</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 1. Discussion of Business</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>1</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 1A. Risk Factors</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>12</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 1B. Unresolved Staff Comments</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>22</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 2. Properties</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>23</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 3. Legal Proceedings</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>23</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 4. Mine</u></font> Safety Disclosures</div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>23</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 5. Market for Registrant's Common Equity and Related Shareholder Matters</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>24</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 6. Selected Financial Data</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>26</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 7. Management's Discussion and Analysis of Financial Condition and Results of Operations</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>27</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 7A. Quantitative and Qualitative Disclosures about Market Risk</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>55</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 8. Financial Statements and Supplemental Data</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>57</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 9. Changes in and/or Disagreements with Accountants on Accounting and Financial Disclosure</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>104</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 9A. Controls and Procedures</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>104</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 9B. Other Information</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>105</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 10. Directors and Executive Officers of the Registrant</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>105</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 11. Executive Compensation</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>105</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 12. Security Ownership of Certain Beneficial Owners and Management</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>105</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 13. Certain Relationships and Related Transactions, and Director Independence</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>105</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 14. Principal Accounting Fees and Services</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>105</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>ITEM 15. Exhibits, Financial Statement Schedules</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>106</u></div>
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<div>&#160;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>SIGNATURES</u></div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #0000ff; FONT-SIZE: 10pt"><u>108</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 1. Discussion of Business</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. (the "Company") was incorporated under the laws of the State of Maine on January 15, 1985, for the purpose of becoming the parent holding company of The First National Bank of Damariscotta, which was chartered as a national bank under the laws of the United States on May 30, 1864. <font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">At the Company's Annual Meeting of Shareholders on April 30, 2008, the Company's name was changed from First National Lincoln Corporation to The First Bancorp, Inc. </font>On January 14, 2005, the acquisition of FNB Bankshares ("FNB") of Bar Harbor, Maine, was completed, adding seven banking offices and one investment management office in Hancock and Washington counties of Maine. FNB's subsidiary, The First National Bank of Bar Harbor, was merged into The First National Bank of Damariscotta at closing, and since January 31, 2005, the combined banks have operated under a new name: The First, N.A. (the "Bank").</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;On October 26, 2012, the Bank completed the purchase of a branch at 63 Union Street in Rockland, Maine, from Camden National Bank (Camden National). The branch represents one of 15 Maine branches Camden National acquired from Bank of America and divested by Camden National to resolve competitive concerns in that market raised by the U.S. Department of Justice's Antitrust Division. As part of the transaction, the Bank acquired approximately $32.3 million in deposits as well as a small volume of loans. On the same date, the Bank completed the purchase of a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National, and opened a full-service branch in this building in February of 2013.This Bangor location offers an excellent opportunity to enter the expanding Eastern Maine market. The total value of the transaction was $6.6 million, which includes the premises and equipment for the two locations, the premium paid for the Rockland deposits, a small amount of loans, plus core deposit intangible and goodwill.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, the Company's securities consisted of one class of common stock, one class of preferred stock, and warrants to purchase common stock. At that date, there were 9,859,914 shares of common stock outstanding. In addition, there were 12,500 shares of cumulative perpetual preferred stock outstanding with a preference value of $1,000 per share, all of which were issued to the U.S. Treasury under its Capital Purchase Program (the "CPP Shares"). Incident to the issuance of the CPP Shares, the Company issued to the U.S. Treasury warrants to purchase up to 225,904 shares of the Company's common stock at a price per share of $16.60 (the "Warrants"). The CPP Shares and the Warrants (and any shares of common stock issuable pursuant to the Warrants) are freely transferable by the U.S. Treasury to third parties and the Company has filed a registration statement with the Securities and Exchange Commission to allow for possible resale of such securities.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The common stock and preferred stock of the Bank are the principal assets of the Company, which has no other subsidiaries. The Bank's capital stock consists of one class of common stock of which 120,000 shares, par value $2.50 per share, are authorized and outstanding, and one class of non-cumulative perpetual preferred stock, $1,000 preference value, of which 12,500 shares are authorized and outstanding. All of the Bank's common stock and preferred stock is owned by the Company.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank emphasizes personal service, and its customers are primarily small businesses and individuals to whom the Bank offers a wide variety of services, including deposit accounts, consumer and commercial and mortgage loans. The Bank has not made any material changes in its mode of conducting business during the past five years. The banking business in the Bank's market area is seasonal with lower deposits in the winter and spring and higher deposits in the summer and fall. This swing is predictable and has not had a materially adverse effect on the Bank.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In addition to traditional banking services, the Company provides investment management and private banking services through First Advisors, which is an operating division of the Bank. First Advisors is focused on taking advantage of opportunities created as the larger banks have altered their personal service commitment to clients not meeting established account criteria. First Advisors is able to offer a comprehensive array of private banking, financial planning, investment management and trust services to individuals, businesses, non-profit organizations and municipalities of varying asset size, and to provide the highest level of personal service. The staff includes investment and trust professionals with extensive experience.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The financial services landscape has changed considerably over the past five years in the Bank's primary market area. Two large out-of-state banks have continued to experience local change as a result of mergers and acquisitions at the regional and national level. Credit unions have continued to expand their membership and the scope of banking services offered. Non-banking entities such as brokerage houses, mortgage companies and insurance companies are offering very competitive products. Many of these entities and institutions have resources substantially greater than those available to the Bank and are not subject to the same regulatory restrictions as the Company and the Bank.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company believes that there will continue to be a need for a bank in the Bank's primary market area with local management having decision-making power and emphasizing loans to small and medium-sized businesses and to individuals. The Bank has concentrated on extending business loans to such customers in the Bank's primary market area and to extending investment and trust services to clients with accounts of all sizes. The Bank's Management also makes decisions based upon, among other things, the knowledge of the Bank's employees regarding the communities and customers in the Bank's primary market area. The individuals employed by the Bank, to a large extent, reside near the branch offices and thus are generally familiar with their communities and customers. This is important in local decision-making and allows the Bank to respond to customer questions and concerns on a timely basis and fosters quality customer service.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank has worked and will continue to work to position itself to be competitive in its market area. The Bank's ability to make decisions close to the marketplace, Management's commitment to providing quality banking products, the caliber of the professional staff, and the community involvement of the Bank's employees are all factors affecting the Bank's ability to be competitive.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Supervision and Regulation</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company is a financial holding company within the meaning of the Bank Holding Company Act of 1956, as amended (the "BHC Act"), and section 225.82 of Regulation Y issued by the Board of Governors of the Federal Reserve System (the "Federal Reserve Board" or "FRB"), and is required to file with the Federal Reserve Board an annual report and other information required pursuant to the Act. The Company is subject to examination by the Federal Reserve Board. Virtually all of the Company's cash revenues are generally derived from dividends paid to the Company by the Bank. These dividends are subject to various legal and regulatory restrictions which are summarized in Note 17 to the accompanying financial statements. The Bank is regulated by the Office of the Comptroller of the Currency (the "OCC") and is subject to the provisions of the National Bank Act. As a result, it must meet certain liquidity and capital requirements, which are discussed in the following sections.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">General</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As a financial holding company, the Company is subject to regulation under the Act and to inspection, examination and supervision by its primary regulator, the FRB. The Company is also subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, both as administered by the Securities and Exchange Commission (the "SEC"). As a company with securities listed on the NASDAQ, the Company is subject to the rules of the NASDAQ for listed companies. The Bank is subject to regulation and examination primarily by the OCC and is subject to regulations of the Federal Deposit Insurance Corporation (the "FDIC").</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Bank Holding Company Activities</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As a bank holding company ("BHC") that has elected to become a financial holding company pursuant to the BHC Act, we may affiliate with securities firms and insurance companies and engage in other activities that are financial in nature or incidental or complementary to activities that are financial in nature. "Financial in nature" activities include securities underwriting, dealing and market making; sponsoring mutual funds and investment companies; insurance underwriting and agency; merchant banking; and activities that the FRB, in consultation with the Secretary of the U.S. Treasury, determines to be financial in nature or incidental to such financial activity. "Complementary activities" are activities that the FRB determines upon application to be complementary to a financial activity and do not pose a safety and soundness risk.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">FRB approval is not generally required for us to acquire a company (other than a bank holding company, bank or savings association) engaged in activities that are financial in nature or incidental to activities that are financial in nature, as determined by the FRB. Prior notice to the FRB may be required, however, if the company to be acquired has total consolidated assets of $10 billion or more. Prior FRB approval is required before we may acquire the beneficial ownership or control of more than 5% of the voting shares or substantially all of the assets of a bank holding company, bank or savings association. In addition, the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act") also does not allow us to merge, acquire all or substantially all of the assets of, or acquire control of another company if our total resulting consolidated liabilities would exceed 10% of the aggregate consolidated liabilities of all financial companies.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Because we are a financial holding company, if the Bank receives a rating under the Community Reinvestment Act of 1977, as amended (the "CRA"), of less than satisfactory, the Bank and/or the Company will be prohibited, until the rating is raised to satisfactory or better, from engaging in new activities or acquiring companies other than bank holding companies, banks or savings associations, except that we could engage in new activities, or acquire companies engaged in activities, that are closely related to banking under the BHC Act. In addition, if the FRB finds that the Bank is not well capitalized or well managed, we would be required to enter into an agreement with the FRB to comply with all applicable capital and management requirements and which may contain additional limitations or conditions. Until corrected, we could be prohibited from engaging in any new activity or acquiring companies engaged in activities that are not closely related to banking under the BHC Act without prior FRB approval. If we fail to correct any such condition within a prescribed period, the FRB could order us to divest our banking subsidiaries or, in the alternative, to cease engaging in activities other than those closely related to banking under the BHC Act.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Under the Riegle-Neal Interstate Banking and Branching Act (the "Riegle-Neal" Act), a bank holding company may acquire banks in states other than its home state, subject to any state requirement that the bank has been organized and operating for a minimum period of time, not to exceed five years, and the requirement that the bank holding company not control, prior to or following the proposed acquisition, more than 10% of the total amount of deposits of insured depository institutions nationwide or, unless the acquisition is the bank holding company's initial entry into the state, more than 30% of such deposits in the state (or such lesser or greater amount set by the state). The Riegle-Neal Act also authorizes banks to merge across state lines, thereby creating interstate branches. Banks are also permitted to acquire and to establish new branches in other states.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In determining whether to approve a proposed bank acquisition, federal bank regulators will consider, among other factors, the effect of the acquisition on competition, financial condition, and future prospects including current and projected capital ratios and levels, the competence, experience, and integrity of management and record of compliance with laws and regulations, the convenience and needs of the communities to be served, including the acquiring institution's record of compliance under the CRA, the effectiveness of the acquiring institution in combating money laundering activities and the risk to the stability of the United States banking system.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company is a legal entity separate and distinct from the Bank. A primary source of funds to pay dividends on our common and preferred stock is dividends from the Bank. Various federal and state statutory provisions and regulations limit the amount of dividends the Bank may pay without regulatory approval. Federal bank regulatory agencies have the authority to prohibit the Bank from engaging in unsafe or unsound practices in conducting its business. The payment of dividends, depending on the financial condition of the Bank, could be deemed an unsafe or unsound practice. The ability of the Bank to pay dividends in the future is currently, and could be further, influenced by bank regulatory policies and capital guidelines.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank is subject to restrictions under federal law that limit the transfer of funds or other items of value from a subsidiary to the Company and any nonbank subsidiaries (including affiliates) in so-called "covered transactions." In general, covered transactions include loans and other extensions of credit, investments and asset purchases, as well as certain other transactions involving the transfer of value from a subsidiary bank to an affiliate or for the benefit of an affiliate. Unless an exemption applies, covered transactions by a subsidiary bank with a single affiliate are limited to 10% of the subsidiary bank's capital and surplus and, with respect to all covered transactions with affiliates in the aggregate, to 20% of the subsidiary bank's capital and surplus. Also, loans and extensions of credit to affiliates generally are required to be secured by qualifying collateral. A bank's transactions with its nonbank affiliates are also generally required to be on arm's-length terms.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The FRB has a policy that a BHC is expected to act as a source of financial and managerial strength to each of its subsidiary banks and, under appropriate circumstances, to commit resources to support each such subsidiary bank. This support may be required at times when the BHC may not have the resources to provide the support. The OCC may order an assessment of the BHC if the capital of one of its national bank subsidiaries were to become impaired. If the BHC failed to pay the assessment within three months, the OCC could order the sale of the BHC's holdings of stock in the national bank to cover the deficiency.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In the event of the "liquidation or other resolution" of an insured depository institution, the claims of deposits payable in the United States (including the claims of the FDIC as subrogee of insured depositors) and certain claims for administrative expenses of the FDIC as a receiver will have priority over other general unsecured claims against the institution. If an insured depository institution fails, claims of insured and uninsured U.S. depositors, along with claims of the FDIC, will have priority in payment ahead of unsecured creditors, including the BHC, and depositors whose deposits are solely payable at such insured depository institution's non-U.S. offices.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Dodd-Frank Wall Street Reform and Consumer Protection Act</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Dodd-Frank Act, enacted on July 21, 2010, will result in broad changes to the U.S. financial system and is the most significant financial reform legislation since the 1930s. Financial regulatory agencies have issued numerous rulemakings to implement its provisions, but a number of rulemakings required by the Dodd-Frank Act have either not yet been proposed or have not been finalized. As a result, the ultimate impact of the Dodd-Frank Act is not yet known, but it has affected, and we expect it will continue to affect, most of our businesses in some way, either directly through regulation of specific activities or indirectly through regulation of concentration risks, capital or liquidity. Until the remaining provisions of the December 2011 FRB proposal are finalized, we are unable to fully estimate their impact on the Company, but we expect the final rules may significantly increase our compliance and regulatory requirements.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Federal regulatory agencies issued numerous other rulemakings in 2011 and 2012 to implement various other requirements of the Dodd-Frank Act, but many of these other proposed rules remain open for comment. Agencies have proposed rules establishing a comprehensive framework for the regulation of derivatives, restricting banking entities from engaging in proprietary trading or owning interests in or sponsoring hedge funds or private equity funds (the "Volcker Rule"), and requiring sponsors of asset-backed securities ("ABS") to retain an ownership stake in the ABS. In November 2012, the Financial Stability Oversight Council proposed new regulations for addressing perceived risks that money market mutual funds may pose to the financial stability of the United States. Once final recommendations are issued, the SEC is required to adopt the recommendations or explain its reasons for not implementing the recommendations. Although we have analyzed these and other proposed rules, the absence of final rules and the complexity of some of the proposed rules make it difficult for the Company to estimate the financial, compliance or operational impacts of the proposals.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Dodd-Frank Act also established the Consumer Financial Protection Bureau (the "CFPB") to ensure consumers receive clear and accurate disclosures regarding financial products and to protect consumers from hidden fees and unfair or abusive practices. The CFPB, which has now been in operation for over a year, has begun exercising supervisory review of banks under its jurisdiction and has concentrated much of its initial rulemaking efforts on a variety of mortgage-related topics required under the Dodd-Frank Act, including ability-to-repay and qualified mortgage standards, mortgage servicing standards, loan originator compensation standards, high-cost mortgage requirements, appraisal and escrow standards and requirements for higher-priced mortgages. Several of the CFPB's rulemakings were issued in January 2013, and we continue to analyze their requirements to determine the impact of the rules to our businesses. During 2013, we expect the CFPB to focus its rulemaking efforts on integrating disclosure requirements for lenders and settlement agents and expanding the scope of information lenders must report in connection with mortgage and other housing-related loan applications. In addition to the exercise of its rulemaking authority, the CFPB is continuing its on-going examination activities with respect to a number of consumer businesses and products.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Customer Information Security</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The FDIC, the OCC and other bank regulatory agencies have published guidelines (the "Guidelines") establishing standards for safeguarding nonpublic personal information about customers that implement provisions of the Graham-Leach-Bliley Act (the "GLBA"). Among other things, the Guidelines require each financial institution, under the supervision and ongoing oversight of its Board of Directors or an appropriate committee thereof, to develop, implement and maintain a comprehensive written information security program designed to ensure the security and confidentiality of customer information, to protect against any anticipated threats or hazards to the security or integrity of such information, and to protect against unauthorized access to or use of such information that could result in substantial harm or inconvenience to any customer.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Privacy</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The FDIC, the OCC and other regulatory agencies have published privacy rules pursuant to provisions of the GLBA ("Privacy Rules"). The Privacy Rules, which govern the treatment of nonpublic personal information about consumers by financial institutions, require a financial institution to provide notice to customers (and other consumers in some circumstances) about its privacy policies and practices, describe the conditions under which a financial institution may disclose nonpublic personal information to nonaffiliated third parties, and provide a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by "opting-out" of that disclosure, subject to certain exceptions.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">USA Patriot Act</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The USA Patriot Act of 2001, designed to deny terrorists and others the ability to obtain anonymous access to the U.S. financial system, has significant implications for depository institutions, broker-dealers and other businesses involved in the transfer of money. The USA Patriot Act, together with the implementing regulations of various federal regulatory agencies, have caused financial institutions, including the Bank, to adopt and implement additional or amend existing policies and procedures with respect to, among other things, anti-money laundering compliance, suspicious activity and currency transaction reporting, customer identity verification and customer risk analysis. The statute and its underlying regulations also permit information sharing for counter-terrorist purposes between federal law enforcement agencies and financial institutions, as well as among financial institutions, subject to certain conditions, and require the Federal Reserve Board (and other federal banking agencies) to evaluate the effectiveness of an applicant in combating money laundering activities when considering applications filed under Section 3 of the Act or under the Bank Merger Act.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The Bank Secrecy Act</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank Secrecy Act (the "BSA") requires all financial institutions, including banks and securities broker-dealers, to, among other things, establish a risk-based system of internal controls reasonably designed to prevent money laundering and the financing of terrorism. It includes a variety of recordkeeping and reporting requirements (such as cash and suspicious activity reporting) as well as due diligence/know-your-customer documentation requirements. The Bank has established an anti-money laundering program to comply with the BSA requirements.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The Sarbanes-Oxley Act</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Sarbanes-Oxley Act of 2002 ("SOX") implements a broad range of corporate governance and accounting measures for public companies (including publicly-held bank holding companies such as the Company) designed to promote honesty and transparency in corporate America and better protect investors from the type of corporate wrongdoings that occurred at Enron and WorldCom, among other companies. SOX's principal provisions, many of which have been implemented through regulations released and policies and rules adopted by the securities exchanges in 2003 and 2004, provide for and include, among other things:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Additional corporate governance and responsibility measures, including the requirement that the chief executive officer and chief financial officer of a public company certify financial statements;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The forfeiture of bonuses or other incentive-based compensation and profits from the sale of an issuer's securities by directors and senior officers in the twelve-month period following initial publication of any financial statements that later require restatement;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">An increase in the oversight of, and enhancement of certain requirements relating to, audit committees of public companies and how they interact with the public company's independent auditors;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Requirements that audit committee members must be independent and are barred from accepting consulting, advisory or other compensatory fees from the issuer;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Requirements that companies disclose whether at least one member of the audit committee is a 'financial expert' (as such term is defined by the SEC and if not, why not;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Expanded disclosure requirements for corporate insiders, including accelerated reporting of stock transactions by insiders and a prohibition on insider trading during pension blackout periods;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A prohibition on personal loans to directors and officers, except certain loans made by insured financial institutions, such as the Bank, on nonpreferential terms and in compliance with bank regulatory requirements;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Disclosure of a code of ethics and filing a Form 8-K in the event of a change or waiver of such code; and</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A range of enhanced penalties for fraud and other violations.</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company complies with the provisions of SOX and its underlying regulations. Management believes that such compliance efforts have strengthened the Company's overall corporate governance structure and does not expect that such compliance has to date had, or will in the future have, a material impact on the Company's results of operations or financial condition.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Capital Requirements</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The OCC has established guidelines with respect to the maintenance of appropriate levels of capital by FDIC-insured banks. The Federal Reserve Board has established substantially identical guidelines with respect to the maintenance of appropriate levels of capital, on a consolidated basis, by BHCs. If a banking organization's capital levels fall below the minimum requirements established by such guidelines, a bank or BHC will be expected to develop and implement a plan acceptable to the FDIC or the Federal Reserve Board, respectively, to achieve adequate levels of capital within a reasonable period, and may be denied approval to acquire or establish additional banks or non-bank businesses, merge with other institutions or open branch facilities until such capital levels are achieved. Federal regulations require federal bank regulators to take "prompt corrective action" with respect to insured depository institutions that fail to satisfy minimum capital requirements and imposes significant restrictions on such institutions. See "Prompt Corrective Action" below.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Leverage Capital Ratio</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The regulations of the OCC require national banks to maintain a minimum "Leverage Capital Ratio" or "Tier 1 Capital" (as defined in the Risk-Based Capital Guidelines discussed in the following paragraphs) to Total Assets of 4.0%. Any bank experiencing or anticipating significant growth is expected to maintain capital well above the minimum levels. The Federal Reserve Board's guidelines impose substantially similar leverage capital requirements on bank holding companies on a consolidated basis. It is possible that banking regulators may increase minimum capital requirements for banks should the current economic situation persist or worsen.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Risk-Based Capital Requirements</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">OCC regulations also require national banks to maintain minimum capital levels as a percentage of a bank's risk-adjusted assets. A bank's qualifying total capital ("Total Capital") for this purpose may include two components: "Core" (Tier 1) Capital and "Supplementary" (Tier 2) Capital. Core Capital consists primarily of common stockholders' equity, which generally includes common stock, related surplus and retained earnings, certain non-cumulative perpetual preferred stock and related surplus, and minority interests in the equity accounts of consolidated subsidiaries, and (subject to certain limitations) mortgage servicing rights and purchased credit card relationships, less all other intangible assets (primarily goodwill). Supplementary Capital elements include, subject to certain limitations, a portion of the allowance for loan losses, perpetual preferred stock that does not qualify for inclusion in Tier 1 capital, long-term preferred stock with an original maturity of at least 20 years and related surplus, certain forms of perpetual debt and mandatory convertible securities, and certain forms of subordinated debt and intermediate-term preferred stock.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The risk-based capital rules assign a bank's balance sheet assets and the credit equivalent amounts of the bank's off-balance sheet obligations to one of four risk categories, weighted at 0%, 20%, 50% or 100%, as applicable. Applying these risk-weights to each category of the bank's balance sheet assets and to the credit equivalent amounts of the bank's off-balance sheet obligations and summing the totals results in the amount of the bank's total Risk-Adjusted Assets for purposes of the risk-based capital requirements. Risk-Adjusted Assets can either exceed or be less than reported balance sheet assets, depending on the risk profile of the banking organization. Risk-Adjusted Assets for institutions such as the Bank will generally be less than reported balance sheet assets because its retail banking activities include proportionally more residential mortgage loans, many of its investment securities have a low risk weighting and there is a relatively small volume of off-balance sheet obligations.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The risk-based capital regulations require all banks to maintain a minimum ratio of Total Capital to Risk-Adjusted Assets of 8.0%, of which at least one-half (4.0%) must be Core (Tier 1) Capital. For the purpose of calculating these ratios: (i) a banking organization's Supplementary Capital eligible for inclusion in Total Capital is limited to no more than 100% of Core Capital; and (ii) the aggregate amount of certain types of Supplementary Capital eligible for inclusion in Total Capital is further limited. For example, the regulations limit the portion of the allowance for loan losses eligible for inclusion in Total Capital to 1.25% of Risk-Adjusted Assets. The Federal Reserve Board has established substantially identical risk-based capital requirements, which are applied to bank holding companies on a consolidated basis. The risk-based capital regulations explicitly provide for the consideration of interest rate risk in the overall evaluation of a bank's capital adequacy to ensure that banks effectively measure and monitor their interest rate risk, and that they maintain capital adequate for that risk. A bank deemed by its federal banking regulator to have excessive interest rate risk exposure may be required to maintain additional capital (that is, capital in excess of the minimum ratios discussed above). The Bank believes, based on its level of interest rate risk exposure, that this provision will not have a material adverse effect on it.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On December 31, 2012, the Company's consolidated Total and Tier 1 Risk-Based Capital Ratios were 16.05% and 14.80%, respectively, and its Leverage Capital Ratio was 8.46%. Based on the above figures and accompanying discussion, the Company exceeds all regulatory capital requirements and is considered well capitalized.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Basel III Capital Requirements</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In December 2010, the Basel Committee on Bank Supervision (the "BCBS") finalized a set of international guidelines for determining regulatory capital known as "Basel III." These guidelines were developed in response to the financial crisis of 2008 and 2009 and were intended to address many of the weaknesses identified in the banking sector as contributing to the crisis including excessive leverage, inadequate and low quality capital and insufficient liquidity buffers. The Basel III guidelines would:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">increase the risk coverage of the capital framework, specifically for trading activities, securitizations, exposures to off-balance sheet vehicles, and counterparty credit exposures arising from derivatives;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">develop capital buffers;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">raise standards for the supervisory review process (Pillar 2) and public disclosures (Pillar 3).</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">U.S. regulatory authorities have been considering the BCBS capital guidelines and proposals, and in June 2012, the U.S. banking regulators jointly issued three notices of proposed rulemaking that are essentially intended to implement the BCBS capital guidelines for U.S. banks. Together these notices of proposed rulemaking would, among other things:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">implement in the United States the Basel III regulatory capital reforms including those that revise the definition of capital, increase minimum capital ratios, and introduce a minimum Tier 1 common equity ratio of 4.5% and a capital conservation buffer of 2.5% (for a total minimum Tier 1 common equity ratio of 7.0%) and a potential countercyclical buffer of up to 2.5%, which would be imposed by regulators at their discretion if it is determined that a period of excessive credit growth is contributing to an increase in systemic risk;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">comply with the Dodd-Frank Act provision prohibiting the reliance on external credit ratings.</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Although the proposals contemplated an effective date of January 1, 2013, with phased in compliance requirements, the rules have not yet been finalized by the U.S. banking regulators due to the volume of comments received and concerns expressed during the comment period. The U.S. banking regulators have approved a final rule to implement changes to the market risk capital rule, which requires banking organizations with significant trading activities to adjust their capital requirements to better account for the market risks of those activities.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Although uncertainty exists regarding final capital rules, we evaluate the impact of Basel III on our capital ratios based on our interpretation of the proposed capital requirements, and we estimate that our Tier 1 common equity ratio under the Basel III proposals exceeded the fully phased-in minimum of 7.0% by 123 basis points at December 31, 2012. The proposed Basel III capital rules and interpretations and assumptions used in estimating our Basel III calculations are subject to change depending on final promulgation of Basel III capital rulemaking.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">From time to time, the OCC, the FRB and the Federal Financial Institutions Examination Council (the "FFIEC") propose changes and amendments to, and issue interpretations of, risk-based capital guidelines and related reporting instructions. In addition, the FRB has closely monitored capital levels of the institutions it supervises during the ongoing financial disruption, and may require such institutions to modify capital levels based on FRB determinations. Such determinations, proposals or interpretations could, if implemented in the future, affect our reported capital ratios and net risk-adjusted assets.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Prompt Corrective Action</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Federal Deposit Insurance Corporation Improvement Act of 1991 ("FDICIA") requires, among other things, that the federal banking regulators take "prompt corrective action" with respect to, and imposes significant restrictions on, any bank that fails to satisfy its applicable minimum capital requirements. FDICIA establishes five capital categories consisting of "well capitalized," "adequately capitalized," "undercapitalized," "significantly undercapitalized" and "critically undercapitalized." Under applicable regulations, a bank that has a Total Risk-Based Capital Ratio of 10.0% or greater, a Tier 1 Risk-Based Capital Ratio of 6.0% or greater and a Leverage Capital Ratio of 5.0% or greater, and is not subject to any written agreement, order, capital directive or prompt corrective action directive to meet and maintain a specific capital level for any capital measure is deemed to be "well capitalized." A bank that has a Total Risk-Based Capital Ratio of 8.0% or greater, a Tier 1 Risk-Based Capital Ratio of 4.0% or greater and a Leverage Capital Ratio of 4.0% (or 3% for banks with the highest regulatory examination rating that are not experiencing or anticipating significant growth or expansion) or greater and does not meet the definition of a well-capitalized bank is considered to be "adequately capitalized." A bank that has a Total Risk-Based Capital Ratio of less than 8.0% or has a Tier 1 Risk-Based Capital Ratio that is less than 4.0%, except as noted above, or a Leverage Capital Ratio of less than 4.0% is considered "undercapitalized." A bank that has a Total Risk-Based Capital Ratio of less than 6.0%, or a Tier 1 Risk-Based Capital Ratio that is less than 3.0% or a Leverage Capital Ratio that is less than 3.0% is considered to be "significantly undercapitalized," and a bank that has a ratio of tangible equity to total assets equal to or less than 2% is deemed to be "critically undercapitalized." A bank may be deemed to be in a capital category lower than is indicated by its actual capital position if it is determined to be in an unsafe or unsound condition or receives an unsatisfactory examination rating. FDICIA generally prohibits a bank from making capital distributions (including payment of dividends) or paying management fees to controlling stockholders or their affiliates if, after such payment, the bank would be undercapitalized.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Under FDICIA and the applicable implementing regulations, an undercapitalized bank will be (i) subject to increased monitoring by its primary federal banking regulator; (ii) required to submit to its primary federal banking regulator an acceptable capital restoration plan (guaranteed, subject to certain limits, by the bank's holding company) within 45 days of being classified as undercapitalized; (iii) subject to strict asset growth limitations; and (iv) required to obtain prior regulatory approval for certain acquisitions, transactions not in the ordinary course of business, and entries into new lines of business. In addition to the foregoing, the primary federal banking regulator may issue a "prompt corrective action directive" to any undercapitalized institution. Such a directive may (i) require sale or re-capitalization of the bank, (ii) impose additional restrictions on transactions between the bank and its affiliates, (iii) limit interest rates paid by the bank on deposits, (iv) limit asset growth and other activities, (v) require divestiture of subsidiaries, (vi) require replacement of directors and officers, and (vii) restrict capital distributions by the bank's parent holding company. In addition to the foregoing, a significantly undercapitalized institution may not award bonuses or increases in compensation to its senior executive officers until it has submitted an acceptable capital restoration plan and received approval from its primary federal banking regulator.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">No later than 90 days after an institution becomes critically undercapitalized, the primary federal banking regulator for the institution must appoint a receiver or, with the concurrence of the FDIC, a conservator, unless the agency, with the concurrence of the FDIC, determines that the purpose of the prompt corrective action provisions would be better served by another course of action. FDICIA requires that any alternative determination be "documented" and reassessed on a periodic basis. Notwithstanding the foregoing, a receiver must be appointed after 270 days unless the appropriate federal banking agency and the FDIC certify that the institution is viable and not expected to fail.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposit Insurance Assessments</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank is a member of the Deposit Insurance Fund (DIF) maintained by the FDIC. Through the DIF, the FDIC insures the deposits of the Bank up to prescribed limits for each depositor. The DIF was formed March 31, 2006, upon the merger of the Bank Insurance Fund and the Savings Insurance Fund in accordance with the Federal Deposit Insurance Reform Act of 2005 (the "FDIR Act"). The FDIR Act established a range of 1.15% to 1.50% within which the FDIC Board of Directors may set the Designated Reserve Ratio (the "reserve ratio" or "DRR"). The FDIR Act also granted the FDIC Board the discretion to price deposit insurance according to risk for all insured institutions regardless of the level of the reserve ratio.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 20.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In 2009, the FDIC undertook several measures in an effort to replenish the DIF. On February 27, 2009, the FDIC adopted a final rule modifying the risk-based assessment system and set new initial base assessment rates beginning April 1, 2009. Annual rates ranged from a minimum of 12 cents per $100 of domestic deposits for well-managed, well-capitalized institutions with the highest credit ratings, to 45 cents per $100 for those institutions posing the most risk to the DIF. Risk-based adjustments to the initial assessment rate could have lowered the rate to 7 cents per $100 of domestic deposits for well-managed, well-capitalized banks with the highest credit ratings or raised the rate to 77.5 cents per $100 for depository institutions posing the most risk to the DIF. On May 22, 2009, the FDIC adopted a final rule imposing a 5 basis point special assessment on each insured depository institution's assets minus Tier 1 capital as of June 30, 2009. The amount of the special assessment for any institution was limited to 10 basis points times the institution's assessment base for the second quarter 2009. On November 17, 2009, the FDIC amended its regulations to require insured institutions to prepay their estimated quarterly risk-based assessments for fourth quarter 2009, and all of 2010, 2011, and 2012. For purposes of determining the prepayment, the FDIC used the institution's assessment rate in effect on September 30, 2009. Any unused prepaid assessment will be refunded on June 28, 2013.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 20.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Dodd-Frank Act gave the FDIC greater discretion to manage the DIF, raised the minimum DRR to 1.35% and removed the upper limit of the range. In October 2010, the FDIC Board adopted a Restoration Plan to ensure that the DIF reserve ratio reaches 1.35% by September 30, 2020, as required by the Dodd-Frank Act. At the same time, the FDIC Board proposed a comprehensive, long-range plan for DIF management. In December 2010, as part of the comprehensive plan, the FDIC Board adopted a final rule to set the DRR at 2%, and in February 2011, the FDIC Board approved the remainder of the comprehensive plan. The Restoration Plan eliminated a 3 basis point increase in the annual assessment rates that was to take effect January 1, 2011.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 20.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On February 7, 2011, the FDIC Board approved a final rule on assessments, dividends, assessment base and large bank pricing that took effect on April 1, 2011. To maintain the DIF, member institutions are assessed an insurance premium based on an assessment base and an assessment rate. Generally, the assessment base is an institution's average consolidated total assets minus average tangible equity. For large and highly complex institutions (those that are very large and are structurally and operationally complex or that pose unique challenges and risks in the case of failure), the assessment rate is determined by combining supervisory ratings and certain financial measures into scorecards. The score received by an institution will be converted into an assessment rate for the institution. The FDIC retains the ability to adjust the total score of large and highly complex institutions based upon quantitative or qualitative measures not adequately captured in the scorecards.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 20.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">All FDIC-insured depository institutions must also pay a quarterly assessment towards interest payments on bonds issued by the Financing Corporation, a federal corporation chartered under the authority of the Federal Housing Finance Board. The bonds (commonly referred to as FICO bonds) were issued to capitalize the Federal Savings and Loan Insurance Corporation. FDIC-insured depository institutions paid approximately 1.00 to 1.02 cents per $100 of assessable deposits during the first nine months of 2011. To coincide with Dodd-Frank Act mandated changes to the insurance assessment base, the FDIC established lower FICO assessment rates, 0.66 cents per $100 of assessment base for 2012 and 0.64 cents per $100 of assessment base for first quarter 2013.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 20.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The FDIC may terminate a depository institution's deposit insurance upon a finding that the institution's financial condition is unsafe or unsound or that the institution has engaged in unsafe or unsound practices or has violated any applicable rule, regulation, order or condition enacted or imposed by the institution's regulatory agency. The termination of deposit insurance for one or more of our bank subsidiaries could have a material adverse effect on our earnings, depending on the collective size of the particular banks involved.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Brokered Deposits and Pass-Through Deposit Insurance Limitations</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Under FDICIA, a bank cannot accept brokered deposits unless it either (i) is "Well Capitalized" or (ii) is "Adequately Capitalized" and has received a written waiver from its primary federal banking regulator. For this purpose, "Well Capitalized" and "Adequately Capitalized" have the same definitions as in the Prompt Corrective Action regulations. See "Prompt Corrective Action" above. Banks that are not in the "Well Capitalized" category are subject to certain limits on the rates of interest they may offer on any deposits (whether or not obtained through a third-party deposit broker). Pass-through insurance coverage is not available in banks that do not satisfy the requirements for acceptance of brokered deposits, except that pass-through insurance coverage will be provided for employee benefit plan deposits in institutions which at the time of acceptance of the deposit meet all applicable regulatory capital requirements and send written notice to their depositors that their funds are eligible for pass-through deposit insurance. The Bank currently accepts brokered deposits.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Real Estate Lending Standards</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">FDICIA requires the federal bank regulatory agencies to adopt uniform real estate lending standards. The FDIC and the OCC have adopted regulations which establish supervisory limitations on Loan-to-Value ("LTV") ratios in real estate loans by FDIC-insured banks, including national banks. The regulations require banks to establish LTV ratio limitations within or below the prescribed uniform range of supervisory limits.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Standards for Safety and Soundness</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Pursuant to FDICIA the federal bank regulatory agencies have prescribed, by regulation, standards and guidelines for all insured depository institutions and depository institution holding companies relating to: (i) internal controls, information systems and internal audit systems; (ii) loan documentation; (iii) credit underwriting; (iv) interest rate risk exposure; (v) asset growth; and (vi) compensation, fees and benefits. The compensation standards prohibit employment contracts, compensation or benefit arrangements, stock option plans, fee arrangements or other compensatory arrangements that would provide "excessive" compensation, fees or benefits, or that could lead to material financial loss. In addition, the federal bank regulatory agencies are required by FDICIA to prescribe standards specifying: (i) maximum classified assets to capital ratios; (ii) minimum earnings sufficient to absorb losses without impairing capital; and (iii) to the extent feasible, a minimum ratio of market value to book value for publicly-traded shares of depository institutions and depository institution holding companies.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Consumer Protection Provisions</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">FDICIA also includes provisions requiring advance notice to regulators and customers for any proposed branch closing and authorizing (subject to future appropriation of the necessary funds) reduced insurance assessments for institutions offering "lifeline" banking accounts or engaged in lending in distressed communities. FDICIA also includes provisions requiring depository institutions to make additional and uniform disclosures to depositors with respect to the rates of interest, fees and other terms applicable to consumer deposit accounts.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">FDIC Waiver of Certain Regulatory Requirements</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The FDIC issued a rule, effective on September 22, 2003, that includes a waiver provision which grants the FDIC Board of Directors extremely broad discretionary authority to waive FDIC regulatory provisions that are not specifically mandated by statute or by a separate regulation.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Future Legislation or Regulation</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In light of recent conditions in the U.S. and global financial markets and the U.S. and global economy, legislators, the presidential administration and regulators have continued their increased focus on regulation of the financial services industry. Proposals that further increase regulation of the financial services industry have been and are expected to continue to be introduced in the U.S. Congress, in state legislatures and abroad. In addition, not all regulations authorized or required under the Dodd-Frank Act have been proposed or finalized by federal regulators. Further legislative changes and additional regulations may change our operating environment in substantial and unpredictable ways. Such legislation and regulations could increase our cost of doing business, affect our compensation structure, restrict or expand the activities in which we may engage or affect the competitive balance among banks, savings associations, credit unions, and other financial institutions. We cannot predict whether future legislative proposals will be enacted and, if enacted, the effect that they, or any implementing regulations, would have on our business, results of operations or financial condition. The same uncertainty exists with respect to regulations authorized or required under the Dodd-Frank Act but that have not yet been proposed or finalized.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impact of Monetary Policy</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our business and earnings are affected significantly by the fiscal and monetary policies of the federal government and its agencies. We are particularly affected by the policies of the FRB, which regulates the supply of money and credit in the United States. Among the instruments of monetary policy available to the FRB are (a) conducting open market operations in United States government securities, (b) changing the discount rates of borrowings of depository institutions, (c) imposing or changing reserve requirements against depository institutions' deposits, and (d) imposing or changing reserve requirements against certain borrowings by banks and their affiliates. These methods are used in varying degrees and combinations to directly affect the availability of bank loans and deposits, as well as the interest rates charged on loans and paid on deposits. The policies of the FRB may have a material effect on our business, results of operations and financial condition. The nature of future monetary policies and the effect of such policies on the future business and earnings of the Company and the Bank cannot be predicted. See Item 7 - Management's Discussion and Analysis of Financial Condition and Results of Operations, regarding the Bank's net interest margin and the effect of interest-rate volatility on future earnings.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Employees</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31, 2012, the Company had 228 employees and full-time equivalency of 222 employees. The Company enjoys good relations with its employees. A variety of employee benefits, including health, group life and disability income, a defined contribution retirement plan, and an incentive bonus plan, are available to qualifying officers and other employees.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Company Website</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company maintains a website at www.thefirstbancorp.com where it makes available, free of charge, its annual report on Form 10-K, quarterly reports on Form 10-Q, current reports on Form 8-K, and amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended, as well as all Section 16 reports on Forms 3, 4, and 5, as soon as reasonably practicable after such reports are electronically filed with, or furnished to, the SEC. The Company's reports filed with, or furnished to, the SEC are also available at the SEC's website at www.sec.gov. Information contained on the Company's website does not constitute a part of this report. Interactive reports for our 10-K and 10-Q filings are available in XBRL format at the Company's website.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 9</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 1A. Risk Factors</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The risks and uncertainties described below are not the only ones the Company faces. Additional risks and uncertainties that we are unaware of, or that we currently deem immaterial, also may become important factors that affect us and our business. If any of these risks were to occur, our business, financial condition or results of operations could be materially and adversely affected.</div>

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<div style="TEXT-ALIGN: left; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Risk Associated With Our Business</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We are subject to credit risk and may incur losses if loans are not repaid.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">There are inherent risks associated with our lending activities. These risks include, among other things, the impact of changes in interest rates and changes in the economic conditions in the markets where we operate as well as those across the United States and abroad. Increases in interest rates and/or weakening economic conditions could adversely impact the ability of borrowers to repay outstanding loans or the value of the collateral securing these loans. We seek to mitigate the risks inherent in our loan portfolio by adhering to specific underwriting practices. Although we believe that our underwriting criteria are appropriate for the various kinds of loans we make, we may incur losses on loans that meet our underwriting criteria, and these losses may exceed the amounts set aside as reserves in our allowance for loan losses.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our loan portfolio includes commercial and commercial real estate loans that may have higher risks than other types of loans.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our commercial, commercial real estate, and commercial construction loans at December 31, 2012 and 2011 were $354.9 million and $375.0 million, respectively, or 40.8% and 43.4% of total loans. Commercial and commercial real estate loans generally carry larger loan balances and can involve a greater degree of financial and credit risk than other loans. As a result, banking regulators continue to give greater scrutiny to lenders with a high concentration of commercial real estate loans in their portfolios, and such lenders are expected to implement stricter underwriting, internal controls, risk management policies and portfolio stress testing, as well as higher capital levels and loss allowances. The increased financial and credit risk associated with these types of loans are a result of several factors, including the concentration of principal in a limited number of loans and borrowers, the size of loan balances, the effects of general economic conditions on income-producing properties and the increased difficulty of evaluating and monitoring these types of loans.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Regulators have the right to request banks to maintain elevated levels of capital or liquidity due to commercial real estate loan concentrations, and could do so, especially if there is a further downturn in our local real estate markets. In addition, when underwriting a commercial or industrial loan, we may take a security interest in commercial real estate, and, in some instances upon a default by the borrower, we may foreclose on and take title to the property, which may lead to potential financial risks for us under applicable environmental laws. If hazardous substances were discovered on any of these properties, we may be liable to governmental agencies or third parties for the costs of remediation of the hazard, as well as for personal injury and property damage. Many environmental laws can impose liability regardless of whether the Company knew of, or were responsible for, the contamination.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Furthermore, the repayment of loans secured by commercial real estate is typically dependent upon the successful operation of the related real estate or commercial project. If the cash flows from the project are reduced, a borrower's ability to repay the loan may be impaired. This cash flow shortage may result in the failure to make loan payments. In such cases, we may be compelled to modify the terms of the loan. In addition, the nature of these loans is such that they are generally less predictable and more difficult to evaluate and monitor. As a result, repayment of these loans may, to a greater extent than residential loans, be subject to adverse conditions in the real estate market or economy.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our allowance for loan losses may be insufficient and require additional provision from earnings.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank maintains an allowance for loan losses based on, among other things, national and regional economic conditions, historical loss experience and delinquency trends. We make various assumptions and judgments about the collectability of our loan portfolio, including the creditworthiness of borrowers and the value of the real estate and other assets serving as collateral for the repayment of loans. In determining the size of the allowance for loan losses, we rely on our experience and our evaluation of economic conditions. However, we cannot predict loan losses with certainty, and we cannot provide assurance that charge-offs in future periods will not exceed the allowance for loan losses. If, as a result of general economic conditions, previously incorrect assumptions or an increase in defaulted loans, we determine that additional increases in the allowance for loan losses are necessary, we will incur additional provision expenses. In addition, regulatory agencies review the Bank's allowance for loan losses and may require additions to the allowance based on their judgment about information available to them at the time of their examination. Management could also decide that the allowance for loan losses should be increased. If charge-offs in future periods exceed the allowance for loan losses, we will need additional provisions to increase the allowance for loan losses. Furthermore, growth in the loan portfolio would generally lead to an increase in the provision for loan losses. Any increases in the allowance for loan losses will result in a decrease in net income and capital, and may have a material adverse effect on our financial condition, results of operations and cash flows. See the section captioned "Credit Risk Management and Allowance for Loan Losses" in Item 7. Management's Discussion and Analysis of Financial Condition and Results of Operations, located elsewhere in this report for further discussion related to our process for determining the appropriate level of the allowance for loan losses.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The Maine foreclosure process can be lengthy and add additional losses for the Bank.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Residential foreclosures in Maine occur through the judicial system. Under ideal circumstances, it can take as little as six months to foreclose on a Maine property, however, if the borrower contests the foreclosure or the court delays the foreclosure, the process may take as long as two years. In 2009, the Maine Legislature passed "An Act to Preserve Home Ownership and Stabilize the Economy by Preventing Unnecessary Foreclosures." This law provides for mediation of foreclosure of residential mortgages and borrowers may choose mediation at which parties must attend and evaluate foreclosure alternatives in good faith. This law also provides that issues such as reinstatement of the mortgage, modification of the loan and restructuring of the mortgage debt are to be addressed at these mediations. Given the uncertain timeframe related to foreclosure in Maine, the Bank can incur additional legal fees and other costs, such as payment of property taxes and insurance, if the foreclosure process is extended. In addition, the value of the property may further decline if the borrower fails to maintain the property in good order.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our level of troubled debt restructured ("TDR") has increased and could adversely affect our financial condition and results of operations.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our efforts in 2011 and 2012 to assist homeowners and other borrowers increased our overall level of TDRs. In each case when a loan was modified, Management determined it was in the Bank's best interest to work with the borrower with modified terms rather than to proceed to foreclosure. Once a loan is classified as a TDR, however, it remains classified as a TDR until the balance is fully repaid, whether or not the loan is performing under the modified terms. As of December 31, 2012 there were 101 loans with an outstanding balance of $30.0 million that have been restructured. This compares to 59 loans with a value of $22.9 million as of December 31, 2011.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, 70 loans with an aggregate balance of $24.9 million were performing under the modified terms, seven loans with an aggregate balance $1.7 million were more than 30 days past due and 24 loans with an aggregate balance of $3.4 million were on nonaccrual. As a percentage of aggregate outstanding balances, 83.0% was performing under the modified terms, 5.8% was more than 30 days past due and 11.2% was on nonaccrual. Although a large percentage of TDRs continue to be performing, as a group our TDRs are relatively unseasoned and the full collection of principal and interest on some TDRs may not occur, which could adversely affect our financial condition and results of operations.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Changes in interest rates could adversely affect our net interest income and profitability.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our earnings and cash flows are largely dependent upon our net interest income. Net interest income is the difference between interest income earned on interest-earning assets, such as loans and securities, and interest expense paid on interest-bearing liabilities, such as deposits and borrowed funds. Interest rates are highly sensitive to many factors that are beyond our control, including general economic conditions, demand for loans, securities and deposits, and policies of various governmental and regulatory agencies and, in particular, the Board of Governors of the Federal Reserve System. Changes in monetary policy, including changes in interest rates, could influence not only the interest we receive on loans and securities and the amount of interest we pay on deposits and borrowings, but such changes could also affect</div>

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<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">the fair value of our financial assets and liabilities; and</div>
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<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">the average duration of our loans and securities that are collateralized by mortgages.</div>
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<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">If the interest rates paid on deposits and other borrowings increase at a faster rate than the interest rates received on loans and other investments, our net interest income, and therefore earnings, could be adversely affected. Earnings could also be adversely affected if the interest rates received on loans and other investments fall more quickly than the interest rates paid on deposits and other borrowings. If interest rates decline, our higher-rate loans and investments may be subject to prepayment risk, which could negatively impact our net interest margin. Conversely, if interest rates increase, our loans and investments may be subject to extension risk, which could negatively impact our net interest margin as well.<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Any substantial, unexpected, prolonged change in market interest rates could have a material adverse effect on our financial condition, results of operations and cash flows. See Item 7A. Quantitative and Qualitative Disclosures about Market Risk located elsewhere in this report for further discussion related to our management of interest rate risk. </font></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The value of our investment portfolio may be negatively affected by changes in interest rates and disruptions in securities markets.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The market for some of the investment securities held in our portfolio has become volatile over the past several years. Volatile market conditions may detrimentally affect the value of these securities due to the perception of heightened credit and liquidity risks. There can be no assurance that the declines in market value associated with these disruptions will not result in other than temporary impairments of these assets, which would lead to accounting charges that could have a material adverse effect on our net income and capital levels. Our mortgage-backed portfolio may be subject to extension risk as interest rates rise and borrowers are unable to refinance their current mortgages into lower rate mortgages, extending the average life of the bonds. As of December 31, 2012, we had $291.6 million and $143.3 million in available for sale and held to maturity investment securities, respectively. Numerous factors, including lack of liquidity for re-sales of certain investment securities, absence of reliable pricing information for investment securities, adverse changes in business climate, adverse actions by regulators, or unanticipated changes in the competitive environment could have a negative effect on our investment portfolio in future periods. If an impairment charge is significant enough it could affect the ability of the Bank to renew funding. This could have a material adverse effect on our liquidity and the Bank's ability to upstream dividends to the Company and for the Company to then pay dividends to shareholders. It could also negatively impact our regulatory capital ratios and result in our not being classified as "well-capitalized" for regulatory purposes.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Illiquidity could impair our ability to fund operations and jeopardize our financial condition.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Liquidity is essential to our business. An inability to raise funds through traditional deposits, brokered deposit renewals or rollovers, secured or unsecured borrowings, the sale of securities or loans and other sources could have a substantial negative effect on our liquidity. Our access to funding sources in amounts adequate to finance our activities could be impaired by factors that affect us specifically or the financial services industry or economy in general, or could be available only under terms which are unacceptable to us. We rely primarily on commercial and retail deposits and, to a lesser extent, brokered deposit renewals and rollovers, advances from the Federal Home Loan Bank of Boston (the "FHLB") and other secured and unsecured borrowings to fund our operations. Factors that could detrimentally impact our access to liquidity sources include a decrease in the level of our business activity as a result of a downturn in the markets in which our loans are concentrated, adverse regulatory action against us, changes in market interest rates or increased competition for funding within our market. Disruptions in the capital markets or interest rate changes may make the terms of wholesale funding sources less favorable and may make it difficult to sell securities when needed to provide additional liquidity. In addition, if we fall below the FDIC's thresholds to be considered "well capitalized", we will be unable to continue to rollover or renew brokered funds, and the interest rate paid on deposits would be subject to restrictions. As a result, there is a risk that our cost of funding will increase or we will not have sufficient funds to meet our obligations when they become due.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loss of lower-cost funding sources could lead to margin compression and decrease net interest income.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Checking and savings, NOW, and money market deposit account balances and other forms of customer deposits can decrease when customers perceive alternative investments, such as the stock market, as providing a better risk/return tradeoff. If customers move money out of bank deposits and into other investments, we could lose a relatively low-cost source of funds, increasing our funding costs and reducing our net interest income and net income. Advances from the FHLB are currently a relatively low-cost source of funding. The availability of qualified collateral on the Bank's balance sheet determines the level of advances available from FHLB and a deterioration in quality in the Bank's loan portfolio can adversely impact the availability of this source of funding, which could increase our funding costs and reduce our net interest income.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The soundness of other financial institutions could adversely affect us.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Since mid-2007, the financial services industry as a whole, as well as the securities markets generally, have been materially and adversely affected by very significant declines in the values of nearly all asset classes and by a very serious lack of liquidity. Financial institutions in particular have been subject to increased volatility and an overall loss in investor confidence. Our ability to engage in routine funding transactions could be adversely affected by the actions and commercial soundness of other financial institutions. Financial services companies are interrelated as a result of trading, clearing, counterparty, or other relationships. We have exposure to many different industries and counterparties, and we routinely execute transactions with counterparties in the financial services industry, including brokers and dealers, commercial banks, investment banks, mutual and hedge funds, and other institutional clients. As a result, defaults by, or even rumors or questions about, one or more financial services companies, or the financial services industry generally, have led to market-wide liquidity problems and could lead to losses or defaults by us or by other institutions. In addition, many of these transactions expose us to credit risk in the event of default of our counterparty or client. Further, our credit risk may be exacerbated when the collateral held by us cannot be realized or is liquidated at prices not sufficient to recover the full amount of the loan or derivative exposure due us. There is no assurance that any such losses would not materially and adversely affect our business, financial condition or results of operations.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Lack of loan demand may adversely impact net interest income.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During the past two years our loan portfolio has decreased $18.3 million. Loan demand in the Bank's market area has been limited as a result of continued weak economic conditions. This has had the greatest impact on the commercial loan portfolio. In addition, in order to reduce the Bank's exposure to interest rate risk, the Bank has sold residential mortgages to the secondary market that have been refinanced by borrowers seeking to take advantage of lower interest rates. Should this trend continue, net interest income may be negatively impacted if loans are replaced by lower-yielding investment securities or if the balance sheet is allowed to shrink.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our recent acquisitions may negatively impact earnings.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On October 26, 2012, the Company completed the purchase of the former Bank of America branch at 63 Union Street in Rockland, Maine, from Camden National Bank. As part of the transaction, the Company acquired approximately $32.3 million in deposits as well as a small volume of loans. On the same date, the Company completed the purchase of a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National, and opened a full-service branch in this building in February of 2013. While these locations offer an excellent opportunity for the Company to expand its presence in Mid-Coast Maine and enter a new market in Eastern Maine, there is no guarantee that the increased operating costs for facilities and personnel will be offset by growth in loans and deposits in the new locations.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">A decline in real estate values in our primary market area could adversely impact results of operations and financial condition.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Most of the Bank's lending is in Mid-Coast and Down East Maine. As a result of this geographic concentration, a significant broad-based deterioration in economic conditions in this area or Northern New England could have a material adverse impact on the quality of the Bank's loan portfolio, and could result in a decline in the demand for our products and services and, accordingly, could negatively impact our results of operations. Such a decline in economic conditions could impair borrowers' ability to pay outstanding principal and interest on loans when due and, consequently, adversely affect the cash flows of our business. The Bank's loan portfolio is largely secured by real estate collateral. A substantial portion of the real and personal property securing the loans in the Bank's portfolio is located in Mid-Coast and Down East Maine. Conditions in the real estate market in which the collateral for the Bank's loans is located strongly influence the level of the Bank's non-performing loans and results of operations. The recent decline in the Mid-Coast and Down East Maine area real estate values, as well as other external factors, could adversely affect the Bank's loan portfolio.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our investment management activities are dependent on the value of investment securities which may lead to revenue fluctuations.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">First Advisors is the investment management arm of the Bank, operating under trust powers granted from the OCC in the Bank's charter. First Advisors provides trustee, investment management and custody services for individual, municipal and business clients, predominately in the Bank's market area. First Advisors' revenues are directly tied to the market performance of the investments it manages for clients, and these may be adversely affected by a decline in the market value of these investments caused by normal fluctuations in the bond and stock markets.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We are dependent upon the services of our management team and if we are unable to retain the services of our management team, our business may suffer.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our future success and profitability are substantially dependent upon the management and banking abilities of our senior executives. Changes in key personnel may be disruptive to our business and could have a material adverse effect on our business, financial condition and results of operations. We believe that our future results will also depend in part upon our attracting and retaining highly skilled and qualified management. Competition for the best people in most activities in which we are engaged can be intense, and we may not be able to retain or hire the people we want and/or need. In order to attract and retain qualified employees, we must compensate such employees at market levels. Typically, those levels have caused employee compensation to be our greatest expense. If we are unable to continue to attract and retain qualified employees, or do so at rates necessary to maintain our competitive position, our performance, including our competitive position, could suffer, and, in turn, have a material adverse effect on us. Although we have incentive compensation plans aimed, in part, at long-term employee retention, the unexpected loss of services of one or more of our key personnel could still occur, and such events may have a material adverse effect on us because of the loss of the employee's skills, knowledge of our market, years of industry experience and the difficulty of promptly finding qualified replacement personnel for our talented executives and/or relationship managers.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Pursuant to the standardized terms of the CPP, among other things, we agreed to institute certain restrictions on the compensation of certain senior executive management positions that could have an adverse effect on our ability to hire or retain the most qualified senior executives. Other restrictions were imposed under the Recovery Act, the Dodd-Frank Act and other legislation or regulations. Our ability to attract and/or retain talented executives and/or relationship managers may be negatively affected by these developments or any new executive compensation limits.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our internal control systems are inherently limited and may fail or be circumvented.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">We face the risk that the design of our controls and procedures, including those intended to mitigate the risk of fraud by employees or outsiders, may prove to be inadequate or may be circumvented, thereby causing delays in detection of errors or inaccuracies in data and information. Although Management regularly reviews and updates our internal controls, disclosure controls and procedures, and corporate governance policies and procedures, the Company's systems of internal controls, disclosure controls and corporate governance policies and procedures are inherently limited. The inherent limitations of our system of internal controls include the use of judgment in decision-making that can be faulty; breakdowns can occur because of human error or mistakes; and controls can be circumvented by individual acts or by collusion of two or more people. The design of any system of controls is based in part upon certain assumptions about the likelihood of future events, and any design may not succeed in achieving its stated goals under all potential future conditions. Because of the inherent limitation of a cost-effective control system, misstatements due to error or fraud may occur and may not be detected, which may have an adverse effect on the Company's business, results of operations or financial condition. Additionally, any plans of remediation for any identified limitations may be ineffective in improving internal controls.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We continually encounter technological change that may be difficult to keep up with.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The financial services industry is continually undergoing rapid technological change with frequent introductions of new technology-driven products and services. The effective use of technology increases efficiency and enables financial institutions to better serve customers and to reduce costs. Our future success depends, in part, upon our ability to address the needs of our customers by using technology to provide products and services that will satisfy customer demands, as well as to create additional efficiencies in our operations. Our largest competitors have substantially greater resources to invest in technological improvements. We may not be able to effectively implement new technology-driven products and services or be successful in marketing these products and services to our customers. Failure to successfully keep pace with technological change affecting the financial services industry could have a material adverse effect on us.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We are subject to security, transactional and operational risks relating to the use of technology that could damage our reputation and our business.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">We rely heavily on communications and information systems to conduct our business serving both internal and customer constituencies. Any failure, interruption or breach in security of these systems could result in failures or disruptions in our customer relationship management, general ledger, deposit, loan, and other systems. While we have policies and procedures, security applications and fraud mitigation applications, designed to prevent or limit the effect of the failure, interruption, fraud attacks or security breach of our information systems, there can be no assurance that any such failures, interruptions, fraud attacks or security breaches will not occur or, if they do occur, that they will be adequately addressed. Fraud attacks targeting customer-controlled devices, plastic payment card terminals, and merchant data collection points provide another source of potential loss, again through no fault of our own. The occurrence of any failures, interruptions or security breaches of information systems used to process customer transactions could damage our reputation, result in a loss of customer business, subject us to additional regulatory scrutiny, or expose us to civil litigation and possible financial liability, any of which could have a material adverse effect on our financial condition, results of operations and cash flows.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We are subject to claims and litigation that may impact our earnings and/or our reputation.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">From time to time, customers, vendors or other parties may make claims and take legal actions against us. Whether any particular claims and legal actions are founded or unfounded, if such claims and legal actions are not resolved in a manner favorable to us, they may result in financial liability and/or adversely affect the market perception of the Company and its products and services. Any financial liability or reputation damage could have a material adverse effect on our business, which, in turn, could have a material adverse effect on our financial condition and results of operations. We maintain reserves for certain claims when deemed appropriate based upon our assessment that a loss is probable, consistent with applicable accounting guidance. At any given time we may have legal actions asserted against us in various stages of litigation. Resolution of a legal action can often take years. We are also involved, from time to time, in other reviews, investigations and proceedings (both formal and informal) by governmental and self-regulatory agencies regarding our business, including, among other things, accounting and operational matters, certain of which may result in adverse judgments, settlements, fines, penalties, injunctions or other relief. The number and risk of these investigations and proceedings has increased in recent years with regard to many firms in the financial services industry due to legal changes to the consumer protection laws provided for by the Dodd-Frank Act, the creation of the CFPB, and the uncertainty as to whether federal preemption of certain state consumer laws remains intact for federally chartered financial institutions like the Bank. A weakening of federal pre-emption would potentially increase our compliance and operational costs and risks since we are a national bank and we would potentially face new state and local enforcement activity. There have also been a number of highly publicized cases involving fraud or misconduct by employees in the financial services industry in recent years, and we face the risk that employee misconduct could occur. It is not always possible to deter or prevent employee misconduct, and the precautions we take to prevent and detect this activity may not be effective in all cases. Any financial liability for which we have not adequately maintained reserves or insurance coverage, and/or any damage to our reputation from such claims and legal actions, could have a material adverse effect on us.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Damage to our reputation could significantly harm our businesses.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.3pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our ability to attract and retain customers, clients, investors and highly-skilled management and employees is impacted by our reputation. Public perception of the financial services industry declined since the recent downturn in the U.S. economy. We continue to face increased public and regulatory scrutiny resulting from the financial crisis and economic downturn. Significant harm to our reputation can also arise from other sources, including employee misconduct, actual or perceived unethical behavior, litigation or regulatory outcomes, failing to deliver minimum or required standards of service and quality, compliance failures, disclosure of confidential information, and the activities of our clients, customers and counterparties, including vendors. Actions by the financial services industry generally or by certain members or individuals in the industry can also significantly adversely affect our reputation. We could also suffer significant reputational harm if we fail to properly identify and manage potential conflicts of interest. The actual or perceived failure to adequately address conflicts of interest could affect the willingness of clients to deal with us, which could adversely affect our businesses. Our actual or perceived failure to address these and other issues gives rise to reputational risk that could cause significant harm to us and our business prospects, and may have a material adverse effect on us.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our recent results may not be indicative of our future results.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.3pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">We may not be able to sustain our historical rate of growth or may not even be able to grow our business at all. In addition, our recent growth may distort some of our historical financial ratios and statistics. Various factors, such as economic conditions, regulatory and legislative considerations and competition, may also impede our ability to expand our market presence. If we experience a significant decrease in our historical rate of growth, our results of operations and financial condition may be adversely affected due to a high percentage of our operating costs being fixed expenses.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Risks Associated With Our Industry</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our business has been and may continue to be adversely affected by conditions in the financial markets and economic conditions generally.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Negative developments in 2008 and 2009 in the financial services industry have resulted in uncertainty in the financial markets in general and a related general economic downturn, which have continued into 2013. In addition, as a consequence of the recent U.S. recession, businesses across a wide range of industries have faced serious difficulties due to the decrease in consumer spending, reduced consumer confidence brought on by deflated home values, among other things, and reduced liquidity in the credit markets. Unemployment also increased significantly over the past several years.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As a result of these financial and economic crises, many lending institutions, including us, have experienced in recent years declines in the performance of their loans, including construction, land development and land loans, commercial real estate loans and other commercial and consumer loans (see "Credit Risk Management and Allowance for Loan Losses" in ITEM 7: Management's Discussion and Analysis of Financial Condition and Results of Operations). Moreover, competition among depository institutions for core deposits and quality loans has increased significantly. In addition, the values of real estate collateral supporting many commercial loans and home mortgages have declined and may continue to decline. BHC stock prices have been negatively affected, and the ability of banks and BHCs to raise capital or borrow in the debt markets has been more difficult compared to years prior to the economic downturn. As a result, bank regulatory agencies have been and are expected to continue to be very aggressive in responding to concerns and trends identified in examinations, including the issuance of formal or informal enforcement actions or orders. New legislation responding to these developments may negatively impact us by restricting our business operations, including our ability to originate or sell loans, and adversely impact our financial performance or our stock price.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In addition, further negative market developments may affect consumer confidence levels and may cause adverse changes in payment patterns, causing increases in delinquencies and default rates, which may impact our charge-offs and provision for credit losses. A worsening of these conditions would likely exacerbate the adverse effects of these difficult market conditions on us and others in the financial services industry.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Overall, during the past four years, the general business environment has had an adverse effect on our business, and there can be no assurance that the environment will improve in the near term. Until conditions improve, we expect our business, financial condition and results of operations to be adversely affected.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The downgrade of the U.S. credit rating and Europe's debt crisis could have a material adverse effect on our business, financial condition and liquidity.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Standard &amp; Poor's lowered its long term sovereign credit rating on the United States of America from AAA to AA+ on August 5, 2011. A further downgrade or a downgrade by other rating agencies could have a material adverse impact on financial markets and economic conditions in the United States and worldwide. Any such adverse impact could have a material adverse effect on our liquidity, financial condition and results of operations. Many of our investment securities are issued by U.S. government agencies and U.S. government sponsored entities. In addition, the possibility that certain European Union ("EU") member states will default on their debt obligations has negatively impacted economic conditions and global markets. The continued uncertainty over the outcome of international and the EU's financial support programs and the possibility that other EU member states may experience similar financial troubles could further disrupt global markets. The negative impact on economic conditions and global markets could also have a material adverse effect on our liquidity, financial condition and results of operations.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We operate in a highly regulated environment and may be adversely affected by changes in law and regulations.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Bank holding companies and nationally chartered banks operate in a highly regulated environment and are subject to supervision and examination by various regulatory agencies. The Company is subject to the BHC Act, as amended, and to regulation and supervision by the Federal Reserve Board. The Bank is subject to regulation and supervision by the OCC. The cost of compliance with regulatory requirements may adversely affect our results of operations or financial condition. Federal and state laws and regulations govern numerous matters including: changes in the ownership or control of banks and bank holding companies; maintenance of adequate capital and the financial condition of a financial institution; permissible types, amounts and terms of extensions of credit and investments; permissible non-banking activities; the required level of reserves against deposits; and restrictions on dividend payments. The OCC possesses cease and desist powers to prevent or remedy unsafe or unsound practices or violations of law by banks subject to their regulation, and the Federal Reserve Board possesses similar powers with respect to bank holding companies. These and other restrictions limit the manner in which we may conduct our business and obtain financing. Under regulatory capital adequacy guidelines and other regulatory requirements, we must meet guidelines that include quantitative measures of assets, liabilities, and certain off-balance sheet items, subject to qualitative judgments by regulators about components, risk weightings and other factors. If we fail to meet these minimum capital guidelines and other regulatory requirements, our financial condition would be materially and adversely affected. Our failure to maintain the status of "well-capitalized" under our regulatory framework could affect the confidence of our customers in us, thus compromising our competitive position, or could cause our regulators to take corrective or other supervisory action.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The Dodd-Frank Act created a new Consumer Financial Protection Bureau, tightened capital standards and will continue to result in new laws and regulations that are expected to increase our costs of operations.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Dodd-Frank Act is significantly changing the current bank regulatory structure and affecting the lending, deposit, investment, trading and operating activities of financial institutions and their holding companies. The Dodd-Frank Act requires various federal agencies to adopt a broad range of new rules and regulations, and to prepare numerous studies and reports for Congress. The federal agencies are given significant discretion in drafting the implementing rules and regulations, and consequently, many of the details and the impacts of the Dodd-Frank Act may not be known for many months or years. However, it is expected that the legislation and implementing regulations may materially increase our operating and compliance costs.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Dodd-Frank Act created a new Consumer Financial Protection Bureau with broad powers to supervise and enforce consumer protection laws. The CFPB has broad rule-making authority for a wide range of consumer protection matters that apply to all banks and savings institutions, including the authority to prohibit "unfair, deceptive or abusive" acts and practices. The CFPB's authority to prescribe rules governing the provision of consumer financial products and services could result in rules and regulations that reduce the profitability of such products or services, or impose new disclosure or substantive requirements on us that could increase the cost to us of providing such products and services. The Dodd-Frank Act also weakens the federal preemption rules that have been applicable to national banks and federal savings associations, and gives state attorneys general the ability to enforce federal consumer protection laws, which could increase our operating costs.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Effective July 21, 2011, the Dodd-Frank Act eliminated the federal prohibitions on paying interest on demand deposits, thus allowing businesses to have interest bearing checking accounts, which could result in an increase in our interest expense.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Dodd-Frank Act also broadens the base for FDIC deposit insurance assessments. Assessments are now based on the average consolidated total assets less tangible equity capital of a financial institution, rather than deposits. The Dodd-Frank Act also permanently increases the maximum amount of deposit insurance for banks, savings institutions and credit unions to $250,000 per depositor, retroactive to January 1, 2009. The legislation also increases the required minimum reserve ratio for the Deposit Insurance Fund, from 1.15% to 1.35% of insured deposits, but directs the FDIC to offset the effects of increased assessments on depository institutions, such as the Bank, with less than $10 billion in assets. Any increase in our deposit insurance premiums will result in an increase in our non-interest expense.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Dodd-Frank Act requires publicly traded companies to give stockholders a non-binding vote on executive compensation and so-called "golden parachute" payments. It also provides that the listing standards of the national securities exchanges shall require listed companies to implement and disclose "clawback" policies mandating the recovery of incentive compensation paid to executive officers in connection with accounting restatements. The legislation also directs the Federal Reserve Board to promulgate rules prohibiting excessive compensation paid to bank holding company executives. These rules could adversely affect our ability to hire and retain qualified management, which could have an adverse effect on our business.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The short-term and long-term impact of changing regulatory capital requirements and anticipated new capital rules are uncertain.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On June 7, 2012, the Federal Reserve Board issued proposed rules that would substantially amend the regulatory risk-based capital rules applicable to us. The proposed rules implement the Basel III regulatory capital reforms and changes required by the Dodd-Frank Act. Basel III was initially intended to be implemented beginning January 1, 2013, however on November 9, 2012, the U.S. federal banking agencies announced that the proposed rules would not become effective on January 1, 2013, and it is not clear when the proposed rules will become effective.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Various provisions of the Dodd-Frank Act increase the capital requirements of financial institutions. The proposed rules include new minimum risk-based capital and leverage ratios, which would be phased in during 2013 and 2014, and would refine the definition of what constitutes "capital" for purposes of calculating these ratios. The proposed new minimum capital requirements would be:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">a new common equity Tier 1 capital ratio of 4.5%;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">a Tier 1 capital ratio of 6% (increased from 4%);</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">a total capital ratio of 8% (unchanged from current rules); and</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">a Tier 1 leverage ratio of 4% for all institutions.</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The proposed rules would also establish a "capital conservation buffer" of 2.5% above the new regulatory minimum capital ratios, and would result in the following minimum ratios:</div>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The new capital conservation buffer requirement would be phased in beginning in January 2016 at 0.625% of risk-weighted assets and would increase each year until fully implemented in January 2019. An institution would be subject to limitations on paying dividends, engaging in share repurchases, and paying discretionary bonuses if its capital level falls below the buffer amount. These limitations would establish a maximum percentage of eligible retained income that could be utilized for such actions. While the proposed Basel III changes and other regulatory capital requirements will result in higher regulatory capital standards, it is difficult at this time to predict when or how any new standards will ultimately be applied. In addition, in the current economic and regulatory environment, bank regulators may impose capital requirements that are more stringent than those required by applicable existing regulations.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The application of more stringent capital requirements could, among other things, result in lower returns on equity, require the raising of additional capital, and result in adverse regulatory actions if we were to be unable to comply with such requirements. Furthermore, the imposition of liquidity requirements in connection with the implementation of Basel III could result in our having to lengthen the term of our funding, restructure our business models, and/or increase our holdings of liquid assets. Implementation of changes to asset risk weightings for risk based capital calculations, items included or deducted in calculating regulatory capital or additional capital conservation buffers, could result in management modifying our business strategy and could limit our ability to make distributions, including paying dividends or buying back our shares.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Significant competition in the financial services industry may impact our results.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">We face substantial competition in all areas of our operations from a variety of different competitors, many of which are larger and have more financial resources than we do. We compete with other providers of financial services such as commercial and savings banks, savings and loan associations, credit unions, money market and mutual funds, mortgage companies, asset managers, insurance companies and a wide array of other local, regional and national institutions which offer financial services. Mergers between financial institutions within Maine and in neighboring states have added competitive pressure. If we are unable to compete effectively, we will lose market share and our income generated from loans, deposits, and other financial products will decline.</div>

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<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.3pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Risks Associated With Our Common Stock</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">There may not be a robust trading market for the common stock.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Although our common stock is traded on the NASDAQ Global Select market, the trading volume of the common stock has historically not been substantial. For the year ended December 31, 2012, the average monthly trading volume of our common stock was 336,734 shares, or approximately 3.42% of the average number of outstanding common shares for the year. Due to the limited trading volume in our common stock, the intraday spread between bid and ask prices of the shares can be quite high. There can be no assurance that a more robust, active or economical trading market for our common stock will develop. The market value and liquidity of our common stock may, as a result, be adversely affected.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The price of our common stock may fluctuate.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.3pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The price of our common stock on the NASDAQ Global Select Market constantly changes and recently, given the uncertainty in the financial markets, has fluctuated widely. We expect the market price of our common stock will continue to fluctuate. Holders of our common stock will be subject to the risk of volatility and changes in prices. Our common stock price can fluctuate as a result of many factors which are beyond our control, including:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">quarterly fluctuations in our operating and financial results;</div>
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<div style="TEXT-ALIGN: left; MARGIN-TOP: 8.55pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In addition, recently the stock market generally has experienced extreme price and volume fluctuations, and industry factors and general economic and political conditions and events, such as economic slowdowns or recessions, interest rate changes or credit loss trends, could also cause our stock price to decrease regardless of our operating results.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">The inability to receive dividends from the Bank would negatively affect our ability to pay dividends to shareholders.</font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 8.55pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company is a legal entity separate and distinct from the Bank. With the exception of cash raised from debt and equity issuances, we receive substantially all of our cash flow from dividends from the Bank. These dividends are the principal source of funds to pay dividends on our equity securities. Federal banking law and regulations limit the amount of dividends that the Bank can pay. For further information on the regulatory restrictions on the payment of dividends by the Bank, see "Supervision and Regulation" in Item 1. In the event the Bank is unable to pay dividends to the Company, we may not be able to service debt, pay obligations or pay dividends on our equity securities. Our right to participate in a distribution of assets upon a subsidiary's liquidation or reorganization is subject to the prior claims of the subsidiary's creditors.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">If we do not manage our capital position strategically, our return on equity could be lower compared to our competitors as a result of our high level of capital.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">If we are unable to use strategically our excess capital, or to successfully continue capital management programs, such as stock repurchase programs or quarterly dividends to our shareholders, then our goal of generating a return on average equity that is competitive, increasing earnings per share and book value per share without assuming undue risk, could be delayed or may not be attained. Failure to achieve a competitive return on average equity might decrease investments in our common stock and might cause our common stock to trade at lower prices.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">We may issue additional equity securities or engage in other transactions which dilute our book value or affect the priority of the common stock, which may adversely affect the market price of our common stock.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 8.55pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our Board of Directors may determine from time to time that we need to raise additional capital by issuing additional shares of our common stock or other securities. Except pursuant to the rules of the NASDAQ Stock Market, we are not restricted from issuing additional shares of common stock, including securities that are convertible into or exchangeable for, or that represent the right to receive, common stock. Because our decision to issue securities in any future offering will depend on market conditions and other factors beyond our control, we cannot predict or estimate the amount, timing or nature of any future offerings, or the prices at which such offerings may be affected. Such offerings could be dilutive to common shareholders or reduce the market price of our common stock. Holders of our common stock are not entitled to preemptive rights or protection against dilution. New investors also may have rights, preferences and privileges that are senior to, and that adversely affect, our then current common shareholders. We may attempt to increase our capital resources or, if our or the Bank's capital ratios fall below the required minimums, we could be forced to raise additional capital, by making offerings of debt or preferred equity securities, including medium-term notes, trust preferred securities, senior or subordinated notes and preferred stock. Upon liquidation, holders of our shares of preferred stock and lenders with respect to other borrowings will receive distributions of our available assets prior to the holders of our common stock. Our Board of Directors is authorized to issue one or more series of preferred stock from time to time without any action on the part of our shareholders. Our Board of Directors also has the power, without shareholder approval, to set the terms of any such series of preferred stock that may be issued, including voting rights, dividend rights and preferences over our common stock with respect to dividends or upon our dissolution, winding-up and liquidation and other terms. If we issue preferred stock in the future that has a preference over our common stock with respect to the payment of dividends or upon our liquidation, dissolution or winding up, or if we issue preferred stock with voting rights that dilute the voting power of our common stock, the rights of holders of our common stock or the market price of our common stock could be adversely affected.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; MARGIN-TOP: 6.25pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Potential acquisitions may disrupt our business and dilute shareholder value.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.3pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Acquiring other banks, businesses, or branches involves various risks commonly associated with acquisitions, including:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">potential disruption to our business;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">potential diversion of Management's time and attention;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">the possible loss of key employees and customers of the target;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">difficulty in estimating the value of the assets and liabilities of the target;</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">potential changes in banking or tax laws or regulations that may affect the target.</div>
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<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.3pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Merger or acquisition discussions and, in some cases, negotiations may take place and future mergers or acquisitions involving cash, debt or equity securities may occur at any time. Acquisitions typically involve the payment of a premium over book and market values, and, therefore, some dilution of our tangible book value and net income per common share may occur in connection with any future transaction. Furthermore, failure to realize the expected revenue increases, cost savings, increases in geographic or product presence, and/or other projected benefits from an acquisition could have a material adverse effect on us.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Our participation in the TARP Capital Purchase Program may depress the market value of our common stock.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On January 9, 2009, the Company issued $25 million in Fixed Rate Cumulative Perpetual Preferred Stock, Series A, to the U.S. Treasury under the Capital Purchase Program ("the CPP Shares"). The CPP Shares call for cumulative dividends at a rate of 5.0% per year for the first five years, and at a rate of 9.0% per year in following years. On August 24, 2011, the Company repurchased $12.5 million of the CPP Shares, and after the repurchase, $12.5 million of the CPP shares remains outstanding. The Company may redeem the remaining CPP Shares at any time using any funds available, subject to the prior approval of the Federal Reserve Bank of Boston.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During the time that Treasury holds any equity or debt instrument the Company issued, the Company is required to comply with certain restrictions relating to the compensation of the Company's chief executive officer, chief financial officer and three other most highly compensated executive officers. Additional restrictions with regard to increasing shareholder dividends and repurchase of Company stock were in place for the first three years of participation in the program and were lifted on January 9, 2012. The Company's earnings may be adversely impacted if the remaining $12.5 million of CPP shares is not repaid before January 9, 2014, at which time the annual dividend rate on the CPP shares increases from 5.0% to 9.0%. This in turn, may impact the price of the Company's shares.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 1B. Unresolved Staff Comments</u></div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 22</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 2. Properties</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The principal office of the Company and the Bank is located in Damariscotta, Maine. The Bank operates 16 full-service banking offices in five counties in the Mid-Coast, Eastern and Down East regions of Maine:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Penobscot County</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">First Advisors, the investment management and trust division of the Bank, operates from four offices in Bangor, Bar Harbor, Ellsworth and Damariscotta. The Bank also maintains an Operations Center in Damariscotta. The Company owns all of its facilities except for the land on which the Ellsworth branch is located, and except for the Camden office and the Southwest Harbor drive-up facility, for which the Bank has entered into long-term leases. Management believes that the Bank's current facilities are suitable and adequate in light of its current needs and its anticipated needs over the near term.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 3. Legal Proceedings</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">There are no material pending legal proceedings to which the Company or the Bank is a party or to which any of its property is subject, other than routine litigation incidental to the business of the Bank. None of these proceedings is expected to have a material effect on the financial condition of the Company or of the Bank.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>ITEM 4. </u></font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>Mine Safety Disclosures</u></font></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Not applicable.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 23</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>ITEM 5. Market for Registrant's Common Equity, Related Shareholder Matters</u></font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u> and Issuer Purchases of Equity Securities</u></font></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The common stock of The First Bancorp (ticker symbol FNLC) trades on the NASDAQ Global Select Market System. As of December 31, 2012, there were 9,859,914 shares outstanding and held of record by approximately 3,547 shareholders. The following table reflects the high and low prices of actual sales in each quarter of 2012 and 2011. Such quotations do not reflect retail mark-ups, mark-downs or brokers' commissions.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>2012</u></div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"><u>2011</u></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1st Quarter</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16.38</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.00</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15.95</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13.40</div>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17.44</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13.41</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15.96</div>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13.79</div>
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</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3rd Quarter</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.96</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16.02</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15.30</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11.69</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4th Quarter</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18.14</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.32</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15.95</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11.75</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The last transaction in the Company's stock on NASDAQ during 2012 was on December 31 at $16.47 per share. There are no warrants outstanding with respect to the Company's common stock other than warrants to purchase up to 225,904 shares of its common stock (subject to adjustment) at $16.60 per share issued to the U.S. Treasury incident to the Company's participation in the CPP program. The Company has no securities outstanding which are convertible into common equity.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The ability of the Company to pay cash dividends depends on receipt of dividends from the Bank. Dividends may be declared by the Bank out of its net profits as the directors deem appropriate, subject to the limitation that the total of all dividends declared by the Bank in any calendar year may not exceed the total of its net profits of that year plus retained net profits of the preceding two years. The amount available for dividends in 2013 will be that year's net income plus $6.8 million. The payment of dividends from the Bank to the Company may be additionally restricted if the payment of such dividends resulted in the Bank failing to meet regulatory capital requirements. The Bank is also required to maintain minimum amounts of capital-to-total-risk-weighted-assets, as defined by banking regulators. At December 31, 2012, the Bank was required to have minimum Tier 1 and Tier 2 risk-based capital ratios of 4.00% and 8.00%, respectively. The Bank's actual ratios were 14.41% and 15.66%, respectively, as of December 31, 2012. The table below sets forth the cash dividends declared in the last two fiscal years:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Date Declared</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount Per Share</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Date Payable</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 17, 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">April 29, 2011</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">June 15, 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">July 29, 2011</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">September 15, 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">October 28, 2011</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">December 15, 2011</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">January 31, 2012</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 15, 2012</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">April 30, 2012</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">June 20, 2012</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">July 31, 2012</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">September 20, 2012</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">October 31, 2012</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 44%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">December 20, 2012</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.195</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 44%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">January 31, 2013</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Repurchase of Shares and Use of Proceeds</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During the year ended December 31, 2012, the Company repurchased no common stock.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Unregistered Sales of Equity Securities</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">The Company had no unregistered sales of equity securities in 2012.</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 24</div>

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</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities Authorized for Issuance Under Equity Compensation Plans</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table lists the amount and weighted-average exercise price of securities authorized for issuance under equity compensation plans:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of securities to be issued upon exercise of outstanding options, warrants and rights</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted-average exercise price of outstanding options, warrants and rights</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of securities remaining available for future issuance under equity compensation plans (excluding securities reflected in column (a))</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Plan category</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(a)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(b)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(c)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Equity compensation plans approved by security holders</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">380,273</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Equity compensation plans not approved by security holders</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">380,273</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Performance Graph</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Set forth below is a line graph comparing the five-year cumulative total return of $100.00 invested in the Company's common stock ("FNLC"), assuming reinvestment of all cash dividends and retention of all stock dividends, with a comparable amount invested in the Standard &amp; Poor's 500 Index ("S&amp;P 500") and the NASDAQ Combined Bank Index ("NASD Bank"). The NASD Bank index is a capitalization-weighted index designed to measure the performance of all NASDAQ stocks in the banking sector.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<img src="image0.jpg"></div>

<div style="MARGIN-TOP: 4.5pt"><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16.82%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2007</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2008</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2009</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2010</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2011</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16.82%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">FNLC</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143.84</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">115.08</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">124.43</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">127.90</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143.72</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16.82%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">S&amp;P 500</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">63.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">79.67</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">91.67</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">93.60</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">108.58</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16.82%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">NASD Bank</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">78.46</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">65.67</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">74.96</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">67.09</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 13.86%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">79.63</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 25</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
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<div><br>
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<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 6. Selected Financial Data</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. and Subsidiary</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 1.5pt; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="PADDING-BOTTOM: 1.5pt; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="18">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>Years ended December 31,</u></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 1.5pt; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands,</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">except for per share amounts</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Summary of Operations</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Interest Income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">51,825</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">55,702</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">57,260</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">62,569</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">71,372</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Interest Expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,938</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,709</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,671</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,916</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">33,669</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Net Interest Income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38,887</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,993</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,589</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,653</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,703</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Provision for Loan Losses</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,835</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,550</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,400</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,160</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,700</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Non-Interest Income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11,278</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,750</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,135</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,754</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,646</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Non-Interest Expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26,271</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">26,038</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,130</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">26,658</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">22,994</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net Income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,688</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,364</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,116</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,042</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,034</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Per Common Share Data</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Basic Earnings per Share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.10</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.45</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Diluted Earnings per Share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.10</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.44</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash Dividends Declared</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.780</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.780</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.780</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.780</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.765</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Book Value per Common Share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.60</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14.12</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12.80</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12.66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12.09</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tangible Book Value per Common Share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.47</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11.20</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.84</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.65</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.01</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Market Value</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16.47</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15.37</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15.79</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15.42</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19.89</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial Ratios</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Return on Average Equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.84</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.37</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.53</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10.66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12.02</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
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<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Return on Average Tangible Equity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1,2</sup></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.40</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10.80</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10.97</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12.76</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Return on Average Assets<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.89</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.87</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.89</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.96</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.10</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Average Equity to Average Assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10.96</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10.72</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11.20</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10.85</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Average Tangible Equity to Average Assets<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8.96</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8.70</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.06</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8.69</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.83</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Net Interest Margin Tax-Equivalent<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1,2</sup></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.27</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.38</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.33</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dividend Payout Ratio</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">63.93</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">68.42</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">70.91</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">63.93</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">52.76</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Allowance for Loan Losses/Total Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.44</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.50</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.50</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.43</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.90</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-Performing Loans to Total Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.20</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.21</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.39</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.95</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.27</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-Performing Assets to Total Assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.89</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.32</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.87</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.80</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.31</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Efficiency Ratio</font><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">51.01</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">49.75</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">48.15</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43.39</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">46.07</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At Year End</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total Assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,414,999</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,372,867</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,393,802</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,331,394</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,325,744</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">869,284</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">864,988</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">887,596</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">952,492</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">979,273</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total Investment Securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">449,382</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">424,306</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">416,052</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">287,818</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">247,839</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">958,850</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">941,333</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">974,518</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">922,667</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">925,736</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total Borrowings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">282,905</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">265,663</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">257,330</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">249,778</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">272,074</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total Shareholders' Equity</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">156,323</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150,858</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">149,848</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">147,938</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">117,181</div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">High</div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Low</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Market price per common share of stock during 2012</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18.96</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13.41</div>
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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup>Annualized using a 366-day basis in 2012 and 365-day basis in 2011</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 26</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 7. Management's Discussion and Analysis of Financial Condition and Results of Operations</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. (the "Company") was incorporated in the State of Maine on January 15, 1985, and is the parent holding company of The First, N.A. (the "Bank").</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;The Company generates almost all of its revenues from the Bank, which was chartered as a national bank under the laws of the United States on May 30, 1864. The Bank, which has sixteen offices along coastal and eastern Maine, emphasizes personal service to the communities it serves, concentrating primarily on small businesses and individuals.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank offers a wide variety of traditional banking services and derives the majority of its revenues from net interest income &#8211; the spread between what it earns on loans and investments and what it pays for deposits and borrowed funds. While net interest income typically increases as earning assets grow, the spread can vary up or down depending on the level and direction of movements in interest rates. Management believes the Bank has modest exposure to changes in interest rates, as discussed in "Interest Rate Risk Management" elsewhere in Management's Discussion. The banking business in the Bank's market area historically has been seasonal with lower deposits in the winter and spring and higher deposits in the summer and fall. This seasonal swing is fairly predictable and has not had a materially adverse effect on the Bank.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest income is the Bank's secondary source of revenue and includes fees and service charges on deposit accounts, income from the sale and servicing of mortgage loans, and income from investment management and private banking services through First Advisors, a division of the Bank.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Forward-Looking Statements</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">This report contains statements that are "forward-looking statements." We may also make written or oral forward-looking statements in other documents we file with the SEC, in our annual reports to Shareholders, in press releases and other written materials, and in oral statements made by our officers, directors or employees. You can identify forward-looking statements by the use of the words "believe", "expect", "anticipate", "intend", "estimate", "assume", "outlook", "will", "should", "may", "might, "could", and other expressions that predict or indicate future events or trends and which do not relate to historical matters. You should not rely on forward-looking statements, because they involve known and unknown risks, uncertainties and other factors, some of which are beyond the control of the Company. These risks, uncertainties and other factors may cause the actual results, performance or achievements of the Company to be materially different from the anticipated future results, performance or achievements expressed or implied by the forward-looking statements.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Some of the factors that might cause these differences include the following: changes in general national, regional or international economic conditions or conditions affecting the banking or financial services industries or financial capital markets, volatility and disruption in national and international financial markets, government intervention in the U.S. financial system, reductions in net interest income resulting from interest rate volatility as well as changes in the balance and mix of loans and deposits, reductions in the market value of wealth management assets under administration, changes in the value of securities and other assets, reductions in loan demand, changes in loan collectibility, default and charge-off rates, changes in the size and nature of the Company's competition, changes in legislation or regulation and accounting principles, policies and guidelines, and changes in the assumptions used in making such forward-looking statements. In addition, the factors described under "Risk Factors" in Item 1A of this Annual Report on Form 10-K, may result in these differences. You should carefully review all of these factors, and you should be aware that there may be other factors that could cause these differences. These forward-looking statements were based on information, plans and estimates at the date of this annual report, and we assume no obligation to update any forward-looking statements to reflect changes in underlying assumptions or factors, new information, future events or other changes.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Although the Company believes that the expectations reflected in such forward-looking statements are reasonable, actual results may differ materially from the results discussed in these forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof. The Company undertakes no obligation to republish revised forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. Readers are also urged to carefully review and consider the various disclosures made by the Company, which attempt to advise interested parties of the factors that affect the Company's business.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 27</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Management's discussion and analysis of the Company's financial condition and results of operation is based on the consolidated financial statements which are prepared in accordance with accounting principles generally accepted in the United States of America. The preparation of such financial statements requires Management to make estimates and assumptions that affect the reported amounts of assets, liabilities, revenues and expenses and related disclosure of contingent assets and liabilities. On an ongoing basis, Management evaluates its estimates, including those related to the allowance for loan losses, goodwill, the valuation of mortgage servicing rights, and other-than-temporary impairment on securities. Management bases its estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis in making judgments about the carrying values of assets that are not readily apparent from other sources. Actual results could differ from the amounts derived from Management's estimates and assumptions under different assumptions or conditions.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for Loan Losses.</font> Management believes the allowance for loan losses requires the most significant estimates and assumptions used in the preparation of the consolidated financial statements. The allowance for loan losses is based on Management's evaluation of the level of the allowance required in relation to the estimated loss exposure in the loan portfolio. Management believes the allowance for loan losses is a significant estimate and therefore regularly evaluates it to determine the appropriate level by taking into consideration factors such as prior loan loss experience, the character and size of the loan portfolio, business and economic conditions and Management's estimation of potential losses. The use of different estimates or assumptions could produce different provisions for loan losses.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Goodwill. </font>Management utilizes numerous techniques to estimate the value of various assets held by the Company, including methods to determine the appropriate carrying value of goodwill as required under Financial Accounting Standards Board ("FASB") Accounting Standards Codification ("ASC") Topic 350 "Intangibles &#8211; Goodwill and Other." Goodwill from a purchase acquisition is subject to ongoing periodic impairment tests, which include an evaluation of the ongoing assets, liabilities and revenues from the acquisition and an estimation of the impact of business conditions.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mortgage Servicing Rights.</font> The valuation of mortgage servicing rights is a critical accounting policy which requires significant estimates and assumptions. The Bank often sells mortgage loans it originates and retains the ongoing servicing of such loans, receiving a fee for these services, generally 0.25% of the outstanding balance of the loan per annum. Mortgage servicing rights are recognized at fair value when they are acquired through the sale of loans, and are reported in other assets. They are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. The rights are subsequently carried at the lower of amortized cost or fair value. Management uses an independent firm which specializes in the valuation of mortgage servicing rights to determine the fair value. The most important assumption is the anticipated loan prepayment rate, and increases in prepayment speed results in lower valuations of mortgage servicing rights. The valuation also includes an evaluation for impairment based upon the fair value of the rights, which can vary depending upon current interest rates and prepayment expectations, as compared to amortized cost. Impairment is determined by stratifying rights by predominant characteristics, such as interest rates and terms. The use of different assumptions could produce a different valuation. All of the assumptions are based on standards the Company believes would be utilized by market participants in valuing mortgage servicing rights and are consistently derived and/or benchmarked against independent public sources.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other-Than-Temporary Impairment on Securities.</font> One of the significant estimates related to investment securities is the evaluation of other-than-temporary impairments. The evaluation of securities for other-than-temporary impairments is a quantitative and qualitative process, which is subject to risks and uncertainties and is intended to determine whether declines in the fair value of investments should be recognized in current period earnings. The risks and uncertainties include changes in general economic conditions, the issuer's financial condition and/or future prospects, the effects of changes in interest rates or credit spreads and the expected recovery period of unrealized losses. Securities that are in an unrealized loss position are reviewed at least quarterly to determine if other-than-temporary impairment is present based on certain quantitative and qualitative factors and measures. The primary factors considered in evaluating whether a decline in value of securities is other-than-temporary include: (a) the length of time and extent to which the fair value has been less than cost or amortized cost and the expected recovery period of the security, (b) the financial condition, credit rating and future prospects of the issuer, (c) whether the debtor is current on contractually obligated interest and principal payments, (d) the volatility of the securities' market price, (e) the intent and ability of the Company to retain the investment for a period of time sufficient to allow for recovery, which may be at maturity and (f) any other information and observable data considered relevant in determining whether other-than-temporary impairment has occurred, including the expectation of receipt of all principal and interest when due.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 28</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Use of Non-GAAP Financial Measures</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certain information in Management's Discussion and Analysis of Financial Condition and Results of Operations and elsewhere in this Report contains financial information determined by methods other than in accordance with accounting principles generally accepted in the United States of America ("GAAP"). Management uses these "non-GAAP" measures in its analysis of the Company's performance and believes that these non-GAAP financial measures provide a greater understanding of ongoing operations and enhance comparability of results with prior periods as well as demonstrating the effects of significant gains and charges in the current period. The Company believes that a meaningful analysis of its financial performance requires an understanding of the factors underlying that performance. Management believes that investors may use these non-GAAP financial measures to analyze financial performance without the impact of unusual items that may obscure trends in the Company's underlying performance. These disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In several places in this report, net interest income is presented on a fully taxable equivalent basis. Specifically included in interest income was tax-exempt interest income from certain investment securities and loans. An amount equal to the tax benefit derived from this tax exempt income has been added back to the interest income total, which adjustments increased net interest income accordingly. Management believes the disclosure of tax-equivalent net interest income information improves the clarity of financial analysis, and is particularly useful to investors in understanding and evaluating the changes and trends in the Company's results of operations. Other financial institutions commonly present net interest income on a tax-equivalent basis. This adjustment is considered helpful in the comparison of one financial institution's net interest income to that of another institution, as each will have a different proportion of tax-exempt interest from its earning assets. Moreover, net interest income is a component of a second financial measure commonly used by financial institutions, net interest margin, which is the ratio of net interest income to average earning assets. For purposes of this measure as well, other financial institutions generally use tax-equivalent net interest income to provide a better basis of comparison from institution to institution. The Company follows these practices. The following table provides a reconciliation of tax-equivalent financial information to the Company's consolidated financial statements, which have been prepared in accordance with GAAP. A 35.0% tax rate was used in 2012, 2011 and 2010.</div>

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<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Years ended December 31,</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income as presented</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38,887</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,993</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,589</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Effect of tax-exempt income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,128</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,710</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,281</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income, tax equivalent</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42,015</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,703</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,870</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company presents its efficiency ratio using non-GAAP information. The GAAP-based efficiency ratio is noninterest expenses divided by net interest income plus noninterest income from the Consolidated Statements of Income and Comprehensive Income. The non-GAAP efficiency ratio excludes securities losses and other-than-temporary impairment charges from noninterest expenses, excludes securities gains from noninterest income, and adds the tax-equivalent adjustment to net interest income. The following table provides a reconciliation between the GAAP and non-GAAP efficiency ratio:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Years ended December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In thousands of dollars</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest expense, as presented</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26,271</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">26,038</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,130</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Adjusted non-interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26,271</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">26,038</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,130</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income, as presented</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38,887</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,993</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,589</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Effect of tax-exempt income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,128</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,710</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,281</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest income, as presented</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11,278</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,750</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,135</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Effect of non-interest tax-exempt income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">177</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">193</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net securities gains</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,968</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(3,293</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Adjusted net interest income plus non-interest income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">51,502</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">52,342</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">52,196</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-GAAP efficiency ratio</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">51.01</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">49.75</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">48.15</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">GAAP efficiency ratio</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">52.37</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">49.37</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">50.54</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
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<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 29</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
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<div><br>
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<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company presents certain information based upon average tangible common shareholders' equity instead of total average shareholders' equity. The difference between these two measures is the Company's intangible assets, specifically goodwill from prior acquisitions, and preferred stock. Management, banking regulators and many stock analysts use the tangible common equity ratio and the tangible book value per common share in conjunction with more traditional bank capital ratios to compare the capital adequacy of banking organizations with significant amounts of goodwill or other intangible assets, typically stemming from the use of the purchase accounting method in accounting for mergers and acquisitions. The following table provides a reconciliation of tangible average shareholders' equity to the Company's consolidated financial statements, which have been prepared in accordance with GAAP:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Years ended December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In thousands of dollars</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Average shareholders' equity as presented</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">155,822</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">152,254</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">151,739</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less preferred stock (average)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(12,341</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(20,290</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(24,606</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less intangible assets (average)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(28,422</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(28,698</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(28,982</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Average tangible common shareholders' equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">115,059</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">103,266</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">98,151</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Executive Summary</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income for the year ended December 31, 2012 was $12.7 million, up $324,000 or 2.6% from the $12.4 million posted for the year ended December 31, 2011. Earnings per common share on a fully diluted basis were $1.22 for the year ended December 31, 2012, up $0.08 or 7.0% from the $1.14 posted for the year ended December 31, 2011. Net interest income on a tax-equivalent basis declined $1.7 million or 3.9% for the year ended December 31, 2012 compared to the year ended December 31, 2011. This decrease was attributable to margin compression due to the unprecedented low interest rate environment now entering its fifth straight year. &#160;As a result, our net interest margin slipped from 3.27% in 2011 to 3.14% in 2012. &#160;This year-over-year decline in net interest income was offset by a lower provision for loan losses.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During 2012, total assets increased $42.1 million or 3.1%. The loan portfolio was up $4.3 million or 0.5%. The investment portfolio was up $25.1 million or 5.9% for the year. On the liability side of the balance sheet, low-cost deposits have increased $59.7 million or 19.1% for the year. &#160;We continue to see an inflow of low-cost deposits due to the low interest rate environment and had a $25 million lift in low-cost deposits in the fourth quarter due to the acquisition of the former Bank of America branch in Rockland. &#160;Local certificates of deposit decreased $874,000 or 4.0%.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credit quality improved significantly in 2012. Non-performing loans stood at 2.20% of total loans on December 31, 2012 compared to 3.21% of total loans on December 31, 2011. This compares to nonperforming loans at 1.73% for our Uniform Bank Performance Report peer group ("UBPR peer group") as of December 31, 2012. Net chargeoffs were $8.3 million or 0.95% of average loans in 2012 compared to net charge offs of $10.9 million or 1.23% of average loans in 2011. Net charge offs for the UBPR peer group in 2012 were 0.58% of average loans. We provisioned $7.8 million for loan losses in 2012, down $2.7 million from the $10.5 million provision made during 2011. The allowance as a percentage of loans outstanding stood at 1.44% in 2012 compared to 1.50% in 2011.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company's operating ratios remain good, with a return on average tangible common equity of 10.40% for the year ended December 31, 2012 compared to 10.80% and 10.97% for the year ended December 31, 2011 and 2010, respectively. Our return on average tangible equity was in the top 40% of all banks in the UBPR peer group, which had an average return of 9.18% for the year. Our efficiency ratio continues to be an important component in our overall performance and at 51.01% in 2012, is only slightly above the 49.75% and 48.15% posted for 2011 and 2010, respectively. As of December 31, 2012, the average efficiency ratio for our UBPR peer group was 66.38%, which put us in the top 10% of all banks in the UBPR peer group.</div>

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<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Results of Operations</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net Interest Income</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income on a tax-equivalent basis decreased 3.9% or $1.7 million to $42.0 million for the year ended December 31, 2012 from the $43.7 million reported for the year ended December 31, 2011. This decrease is due to margin compression resulting in a decrease in the net interest margin from 3.27% in 2011 to 3.14% in 2012.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest income in 2012 was $51.8 million, a decrease of $3.9 million or 7.0% from the $55.7 million posted by the Company in 2011. Total interest expense in 2012 was $12.9 million, a decrease of $1.8 million or 12.0% from the $14.7 million posted by the Company in 2011. The decrease in both interest income and interest expense was attributable to lower interest rates. Tax-exempt interest income amounted to $5.8 million for the year ended December 31, 2012, $5.0 million for the year ended December 31, 2011 and $4.2 million for the year ended December 31, 2010.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following tables present changes in interest income and expense attributable to changes in interest rates, volume, and rate/volume<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> for interest-earning assets and interest-bearing liabilities. Tax-exempt income is calculated on a tax-equivalent basis, using a 35.0% tax rate.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="8">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year ended December 31, 2012 compared to 2011</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Volume</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Rate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Rate/Volume<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest on earning assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest-bearing deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investment securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">549</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,150</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(35</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(636</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(15</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(18</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(379</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,441</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">23</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,797</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">147</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(3,597</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(9</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(3,459</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(316</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,068</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">34</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,350</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowings</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">438</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(789</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(70</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(421</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">122</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,857</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(36</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,771</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Change in net interest income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,740</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,688</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="8">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year ended December 31, 2011 compared to 2010</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Volume</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Rate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Rate/Volume<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest on earning assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest-bearing deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">315</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(303</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investment securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,913</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,403</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(455</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,055</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(127</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(13</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(130</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,078</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,080</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">98</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(4,060</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,023</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(3,502</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(650</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,129</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">516</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,016</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(51</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(551</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowings</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">303</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,636</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(78</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,411</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">819</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,652</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(129</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,962</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Change in net interest income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,204</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(850</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(521</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">833</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"> Represents the change attributable to a combination of change in rate and change in volume.</font></div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter"></div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table presents the interest earned on or paid for each major asset and liability category, respectively, for the years ended December 31, 2012, 2011, and 2010, as well as the average yield for each major asset and liability category, and the net yield between assets and liabilities. Tax-exempt income has been calculated on a tax-equivalent basis using a 35% rate. Unrecognized interest on non-accrual loans is not included in the amount presented, but the average balance of non-accrual loans is included in the denominator when calculating yields.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>2012</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>2011</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>2010</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amount of interest</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average Yield/Rate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amount of interest</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Average Yield/Rate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amount of interest</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Average Yield/Rate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest on earning assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest-bearing deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.25</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.25</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.25</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investment securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17,584</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.81</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,220</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.07</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,170</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.49</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.69</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.63</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.73</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37,353</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4.27</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,150</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.55</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">44,220</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.77</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Total interest-earning assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54,953</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4.11</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">58,412</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.37</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">59,541</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.70</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest-bearing liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,396</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.93</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,746</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.04</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,297</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.15</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowings</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,542</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.73</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,963</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.05</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,374</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.76</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Total interest-bearing liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,938</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.11</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,709</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.25</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,671</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.48</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42,015</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,703</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,870</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest rate spread</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.12</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest margin</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3.14</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.27</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.38</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter"></div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average Daily Balance Sheets</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table shows the Company's average daily balance sheets for the years ended December 31, 2012, 2011 and 2010.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Years ended December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash and cash equivalents</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13,877</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,405</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,722</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest bearing deposits in other banks</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,615</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,710</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">88</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">306,454</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">315,255</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">178,116</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Securities to be held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">140,057</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">117,020</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">144,601</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Restricted equity securities, at cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,697</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale (fair value approximates cost)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">325</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">648</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,173</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">874,464</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">882,806</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">926,338</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Allowance for loan losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(13,737</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(14,418</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(14,393</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">860,727</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">868,388</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">911,945</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest receivable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,008</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,180</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,397</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Premises and equipment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18,582</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,690</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,463</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,760</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,772</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,276</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Goodwill</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">27,690</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,684</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,684</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">27,819</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,680</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,159</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total Assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,421,611</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,419,875</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,355,067</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities &amp; Shareholders' Equity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Demand deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">80,461</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">76,686</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">69,260</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">NOW deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">129,125</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">123,377</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">118,400</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Money market deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">76,972</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">74,945</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">78,155</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Savings deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">124,173</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">109,561</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">97,484</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certificates of deposit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">576,049</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">628,855</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">597,982</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">986,780</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,013,424</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">961,281</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds &#8211; short term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">142,750</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">135,500</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">127,160</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds &#8211; long term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">120,511</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">106,427</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">103,775</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dividends payable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">932</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">989</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">989</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,816</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,281</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,123</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Total Liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,265,789</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,267,621</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,203,328</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Shareholders' Equity:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Preferred stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,341</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">20,290</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">24,606</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Common stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">98</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">98</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">97</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Additional paid-in capital</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">46,122</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,652</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,187</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Retained earnings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">88,554</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">83,469</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">81,288</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Net unrealized gain on securities available-for-sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,784</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,807</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">762</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Net unrealized loss on postretirement benefit costs</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(77</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(62</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(201</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Total Shareholders' Equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">155,822</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">152,254</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">151,739</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total Liabilities &amp; Shareholders' Equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,421,611</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,419,875</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,355,067</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-Interest Income</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest income in 2012 was $11.3 million, a decrease of $472,000 or 4.0% from the $11.8 million reported in 2011. This decrease was attributable to lower levels of securities gains, which was partially offset with strong mortgage origination income.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-Interest Expense</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest expense in 2012 was $26.3 million, with a modest 3.6% increase in employee costs being offset by lower other operating expenses. Acquisition costs of $251,000 were incurred in conjunction with the acquisition of a branch in Rockland and a building in Bangor. See "Capital Purchases".</div>

<div><br>
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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Provision to the Allowance for Loan Losses</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company's provision to the allowance for loan losses was $7.8 million in 2012 compared to $10.5 million in 2011. This was 0.55% of average assets in 2012, compared to 0.30% of average assets for our peer group. The allowance for loan losses stood at 1.44% of total loans as of December 31, 2012, compared to 1.50% a year ago. Given the number of economic uncertainties at this time, Management believes it is prudent to continue to provide for loan losses and that the current level is directionally consistent with the credit quality seen in the portfolio. A further discussion of asset and credit quality can be found in "Assets and Asset Quality".</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credit quality improved significantly in 2012 which enabled the Company to provision less in 2012 than in 2011. Net loan chargeoffs were $8.3 million or 0.95% of average loans, down $2.6 million from net chargeoffs of $10.9 million or 1.23% of average loans in 2011. Non-performing assets stood at 1.89% of total assets as of December 31, 2012 compared to 2.32% of total assets at December 31, 2011. Past-due loans were 2.67% of total loans as of December 31, 2012, the lowest year-end total in the past five years and well below 3.07% of total loans as of December 31, 2011.</div>

<div><br>
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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net Income</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income for 2012 was $12.7 million, up 2.6% or $324,000 from net income of $12.4 million that was posted in 2011. Earnings per share on a fully diluted basis were $1.22, up $0.08 or 7.0% from the $1.14 reported for the year ended December 31, 2011.</div>

<div><br>
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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Key Ratios</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Return on average assets in 2012 was 0.89%, up from the 0.87% and equal to the 0.89% posted in 2011 and 2010 respectively. Return on average tangible common equity was 10.40% in 2012, compared to 10.80% in 2011 and 10.97% in 2010. In 2012, the Company's dividend payout ratio (dividends declared per share divided by earnings per share) was 63.93%, compared to 68.42% in 2011 and 70.91% in 2010. The Company's efficiency ratio &#8211; a benchmark measure of the amount spent to generate a dollar of income &#8211; was 51.01% in 2012 compared to 66.37% for the Bank's peer group, on average. In 2011, the Company's efficiency ratio was 49.75% compared to 66.26% for the Bank's peer group, on average.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment Management and Fiduciary Activities</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, First Advisors, the Bank's private banking and investment management division, had assets under management with a market value of $651.3 million, consisting of 834 trust accounts, estate accounts, agency accounts, and self-directed individual retirement accounts. This compares to December 31, 2011, when 730 accounts with a market value of $619.3 million were under management.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Assets and Asset Quality</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total assets of $1.415 billion increased 3.1% or $42.1 million in 2012 from $1.373 billion at December 31, 2011. The investment portfolio increased $25.1 million or 5.9% over December 31, 2011, and the loan portfolio increased $4.3 million or 0.5%. Year-over-year, average assets were up $1.7 million in 2012 over 2011. Average loans in 2012 were $8.3 million lower than in 2011, but average investments in 2012 were $13.5 million higher than in 2011.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credit quality improved significantly in 2012. &#160;Non-performing assets to total assets stood at 1.89% at December 31, 2012, well below 2.32% of total assets at December 31, 2011 and just above the 1.87% low in the past three years. &#160;In Management's opinion, the Company's long-standing approach to working with borrowers and ethical loan underwriting standards helps alleviate some of the payment problems on customers' loans and in the end minimizes actual loan losses.</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net charge offs in 2012 were $8.3 million or 0.95% of average loans outstanding. This compares to net charge offs in 2011 of $10.9 million or 1.23% of average loans outstanding and net charge offs for our UBPR peer group in 2012 of 0.58%. Residential real estate term loans represent 43.7% of the total loan portfolio, and this loan category generally has a lower level of losses in comparison to other loan types. In 2012, the loss ratio for residential mortgages was 0.45% compared to 0.95% for the entire loan portfolio. The Company does not have a credit card portfolio or offer dealer consumer loans which generally carry more risk and therefore higher losses.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The allowance for loan losses ended the year at $12.5 million and stood at 1.44% of total loans outstanding compared to $13.0 million and 1.50% of total loans outstanding at December 31, 2011. A $7.8 million provision for losses was made in 2012 and net charge offs totaled $8.3 million, resulting in the allowance for loan losses decreasing $500,000 or 3.8% from December 31, 2011. </font>Management believes the allowance for loan losses is appropriate as of December 31, 2012. In Management's opinion, the level of the provision for loan losses is directionally consistent with the overall credit quality of our loan portfolio and corresponding levels of nonperforming loans and unallocated reserves, as well as with the performance of the national and local economies, high levels of unemployment and the outlook for economic weakness continuing for some time to come.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment Activities</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During 2012, the investment portfolio increased 5.9% to end the year at $449.4 million compared to $424.3 million at December 31, 2011. Average investments in 2012 were $13.5 million higher than in 2011. The Company's investment securities are classified into two categories: securities available for sale and securities to be held to maturity. Securities available for sale consist primarily of debt securities which Management intends to hold for indefinite periods of time. They may be used as part of the Company's funds management strategy, and may be sold in response to changes in interest rates, prepayment risk and liquidity needs, to increase capital ratios, or for other similar reasons. Securities to be held to maturity consist primarily of debt securities that the Company has acquired solely for long-term investment purposes, rather than for trading or future sale. For securities to be categorized as held to maturity, Management must have the intent and the Company must have the ability to hold such investments until their respective maturity dates. The Company does not hold trading account securities.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">All investment securities are managed in accordance with a written investment policy adopted by the Board of Directors. It is the Company's general policy that investments for either portfolio be limited to government debt obligations, time deposits, and corporate bonds or commercial paper with one of the three highest ratings given by a nationally recognized rating agency. The portfolio is currently invested primarily in U.S. Government sponsored agency securities and tax-exempt obligations of states and political subdivisions. The individual securities have been selected to enhance the portfolio's overall yield while not materially adding to the Company's level of interest rate risk.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table sets forth the Company's investment securities at their carrying amounts as of December 31, 2012, 2011, and 2010.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
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</td>
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</tr>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities available for sale</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">U.S. Government sponsored agencies</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,045</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">169,093</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">198,232</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">234,414</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">120,944</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,726</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">41,524</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">811</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">866</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,577</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,433</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">380</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">291,614</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">286,202</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">293,229</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities to be held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">U.S. Government sponsored agencies</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">60,919</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,390</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,190</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39,193</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">56,800</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">55,710</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42,908</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">46,171</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">49,330</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">300</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">143,320</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">122,661</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">107,380</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Restricted equity securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Federal Reserve Bank Stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,036</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,412</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,412</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Federal Home Loan Bank Stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13,412</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,031</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,031</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,448</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">449,382</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">424,306</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">416,052</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table sets forth information on the yields and expected maturities of the Company's investment securities as of December 31, 2012. Yields on tax-exempt securities have been computed on a tax-equivalent basis using a tax rate of 35%. Mortgage-backed securities are presented according to their contractual maturity date, while the yield takes into effect intermediate cashflows from repayment of principal which results in a much shorter average life.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Available For Sale</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Held to Maturity</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Yield to maturity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortized Cost</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Yield to maturity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;U.S. Government Sponsored Agencies</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 1 year or less</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 1 to 5 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 5 to 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due after 10 years</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">60,919</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.29</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">60,919</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.29</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;Mortgage-Backed Securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 1 year or less</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,799</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.06</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,809</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.03</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 1 to 5 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,145</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.82</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,167</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5.36</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 5 to 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,324</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.18</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,854</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.99</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due after 10 years</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">108,825</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.30</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">24,363</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.54</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">169,093</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.44</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">39,193</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.48</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;State &amp; Political Subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 1 year or less</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,127</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.81</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">645</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5.96</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">671</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7.18</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,783</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.62</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 5 to 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,342</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.21</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">21,607</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.27</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due after 10 years</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">116,804</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5.66</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,873</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.17</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">120,944</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5.69</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,908</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.28</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;Corporate Securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 1 year or less</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.25</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 1 to 5 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due in 5 to 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Due after 10 years</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.25</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;Equity Securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,577</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.89</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">291,614</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3.79</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143,320</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4.50</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impaired Securities</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The securities portfolio contains certain securities, the amortized cost of which exceeds fair value, which at December 31, 2012 amounted to an excess of $739,000, or 0.17% of the amortized cost of the total securities portfolio. At December 31, 2011 this amount represented an excess of $796,000, or 0.19% of the total securities portfolio. As a part of the Company's ongoing security monitoring process, the Company identifies securities in an unrealized loss position that could potentially be other-than-temporarily impaired. If a decline in the fair value of an available-for-sale security is judged to be other-than-temporary, a charge is recorded in net realized securities losses equal to the difference between the fair value and cost or amortized cost basis of the security.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company's evaluation of securities for impairment is a quantitative and qualitative process intended to determine whether declines in the fair value of investment securities should be recognized in current period earnings. The primary factors considered in evaluating whether a decline in the fair value of securities is other-than-temporary include: (a) the length of time and extent to which the fair value has been less than cost or amortized cost and the expected recovery period of the security, (b) the financial condition, credit rating and future prospects of the issuer, (c) whether the debtor is current on contractually obligated interest and principal payments, (d) the volatility of the securities market price, (e) the intent and ability of the Company to retain the investment for a period of time sufficient to allow for recovery, which may be at maturity, and (f) any other information and observable data considered relevant in determining whether other-than-temporary impairment has occurred.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company's best estimate of cash flows uses severe economic recession assumptions due to market uncertainty. The Company's assumptions include but are not limited to delinquencies, foreclosure levels and constant default rates on the underlying collateral, loss severity ratios, and constant prepayment rates. If the Company does not expect to receive 100% of future contractual principal and interest, an other-than-temporary impairment charge is recognized. Estimating future cash flows is a quantitative and qualitative process that incorporates information received from third party sources along with certain internal assumptions and judgments regarding the future performance of the underlying collateral.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, the Company had temporarily impaired securities with a fair value of $37.2 million and unrealized losses of $739,000, as identified in the table below. Securities in a continuous unrealized loss position more than twelve-months amounted to $2.8 million as of December 31, 2012, compared with $9.3 million at December 31, 2011. The Company has concluded that these securities were not other-than-temporarily impaired. This conclusion was based on the issuers' continued satisfaction of their obligations in accordance with their contractual terms and the expectation that the issuers will continue to do so, Management's intent and ability to hold these securities for a period of time sufficient to allow for any anticipated recovery in fair value which may be at maturity, the expectation that the Company will receive 100% of future contractual cash flows, as well as the evaluation of the fundamentals of the issuers' financial condition and other objective evidence. The following table summarizes temporarily impaired securities and their approximate fair values at December 31, 2012.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Less than 12 months</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12 months or more</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">U.S. Government-sponsored agencies</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,817</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,817</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,982</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(231</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,534</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(83</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,516</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(314</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,621</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(199</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,621</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(199</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">222</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(44</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">222</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(44</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">34,420</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(612</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,756</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(127</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,176</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(739</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For securities with unrealized losses, the following information was considered in determining that the securities were not other-than-temporarily impaired:</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities issued by U.S. Government-sponsored agencies.</font> As of December 31, 2012, the total unrealized losses on these securities amounted to $182,000, compared with no unrealized losses at December 31, 2011.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mortgage-backed securities issued by U.S. Government agencies and U.S. Government-sponsored enterprises.</font> As of December 31, 2012, the total unrealized losses on these securities amounted to $314,000, compared with $181,000 at December 31, 2011. All of these securities were credit rated "AAA" by the major credit rating agencies. Management</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">believes that securities issued by U.S. Government agencies bear no credit risk because they are backed by the full faith and credit of the United States and that securities issued by U.S. Government-sponsored enterprises have minimal credit risk, as these agencies enterprises play a vital role in the nation's financial markets. Management believes that the unrealized losses at December 31, 2012 were attributable to changes in current market yields and spreads since the date the underlying securities were purchased, and does not consider these securities to be other-than-temporarily impaired at December 31, 2012. The Company also has the ability and intent to hold these securities until a recovery of their amortized cost, which may be at maturity.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Obligations of state and political subdivisions.</font> As of December 31, 2012, the total unrealized losses on municipal securities amounted to $199,000, compared with $189,000 at December 31, 2011. Municipal securities are supported by the general taxing authority of the municipality and, in the cases of school districts, are supported by state aid. At December 31, 2012, all municipal bond issuers were current on contractually obligated interest and principal payments. The Company attributes the unrealized losses at December 31, 2012 to changes in prevailing market yields and pricing spreads since the dates the underlying securities were purchased, combined with current market liquidity conditions and the disruption in the financial markets in general. Accordingly, the Company does not consider these municipal securities to be other-than-temporarily impaired at December 31, 2012. The Company also has the ability and intent to hold these securities until a recovery of their amortized cost, which may be at maturity.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Corporate securities.</font> As of December 31, 2012, there were no unrealized losses on corporate securities, compared with $287,000 at December 31, 2011. Corporate securities are dependent on the operating performance of the issuers. At December 31, 2012, all corporate bond issuers were current on contractually obligated interest and principal payments. The Company attributes the unrealized losses at December 31, 2012 to changes in prevailing market yields and pricing spreads since the dates the underlying securities were purchased, combined with current market liquidity conditions and the disruption in the financial markets in general. Accordingly, the Company does not consider these corporate securities to be other-than-temporarily impaired at December 31, 2012. The Company also has the ability and intent to hold these securities until a recovery of their amortized cost, which may be at maturity.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Equity Securities</font>. As of December 31, 2012, the total unrealized losses on other equity securities amounted to $44,000, compared with $139,000 at December 31, 2011. Other equity securities is comprised of common and preferred stock holdings. The unrealized losses were the result of normal market fluctuations for equity securities. Accordingly, the Company does not consider other equity securities to be other-than-temporarily impaired at December 31, 2012.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Federal Home Loan Bank Stock</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank is a member of the Federal Home Loan Bank ("FHLB") of Boston, a cooperatively owned wholesale bank for housing and finance in the six New England States. As a requirement of membership in the FHLB, the Bank must own a minimum required amount of FHLB stock, calculated periodically based primarily on its level of borrowings from the FHLB. The Bank uses the FHLB for much of its wholesale funding needs. As of December 31, 2012 and December 31, 2011, the Bank's investment in FHLB stock totaled $13.4 million and $14.0 million, respectively. FHLB stock is a non-marketable equity security and therefore is reported at cost, which equals par value. The Company periodically evaluates its investment in FHLB stock for impairment based on, among other factors, the capital adequacy of the FHLB and its overall financial condition. No impairment losses have been recorded through December 31, 2012. The Bank will continue to monitor its investment in FHLB stock.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Lending Activities</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The loan portfolio increased $4.3 million or 0.5% in 2012, with total loans at $869.3 million at December 31, 2012, compared to $865.0 million at December 31, 2011. Commercial loans decreased $20.0 million or 5.3% between December 31, 2011 and December 31, 2012, residential term loans increased by $38.2 million or 11.2% during the same period. At the same time, municipal loans decreased by $1.5 million or 9.4%. Loan demand in the Bank's market area has been limited in the past three years as a result of continued weak economic conditions.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Commercial loans are comprised of three major classes, commercial real estate loans, commercial construction loans and other commercial loans. Commercial real estate is primarily comprised of loans to small businesses collateralized by owner-occupied real estate, while other commercial is primarily comprised of loans to small businesses collateralized by plant and equipment, commercial fishing vessels and gear, and limited inventory-based lending. Commercial real estate loans typically have a maximum loan-to-value of 75% based upon current appraisal information at the time the loan is made. Land and land development loans typically have a maximum loan-to-value of 65% to 75% based upon current appraisal information at the time the loan is made. Construction loans, both commercial and residential, comprise a very small portion of the portfolio, and at 23.0% of capital are well under the regulatory guidance of 100.0% of capital. Construction loans and non-owner-occupied commercial real estate loans are at 81.0% of total capital, well under the regulatory guidance of 300.0% of capital.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Municipal loans are comprised of loans to municipalities in the State of Maine for capitalized expenditures, construction projects or tax-anticipation notes. All municipal loans are considered general obligations of the municipality and as such are collateralized by the taxing ability of the municipality for repayment of debt.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Residential loans are comprised of two classes, term loans, which include traditional amortizing home mortgages, and construction loans, which include loans for owner-occupied residential construction. Residential loans typically have a 75% to 80% loan to value based upon current appraisal information at the time the loan is made. Home equity loans are comprised of variable-rate lines of credit which are secured by one-to-four family real estate, typically with a maximum loan-to-value of 80% based upon current appraisal information at the time the loan is made. Consumer loans are primarily amortizing loans to individuals collateralized by automobiles, pleasure craft and recreation vehicles, typically with a maximum loan to value of 80% to 90% of the purchase price of the collateral. Consumer loans also include a small amount of unsecured short-term loans to individuals.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes the loan portfolio, by class as of December 31, 2012, 2011, 2010, 2009 and 2008.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="38">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;Dollars<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><br>
</font> in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">251,335</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">255,424</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">245,540</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">240,178</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">25.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">219,057</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22.3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22,417</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">32,574</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">41,869</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">48,714</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">48,182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">81,183</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">86,982</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101,462</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">114,486</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">118,109</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,704</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,221</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">21,833</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,952</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">34,832</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">379,447</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">341,286</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">39.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">337,927</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">38.1</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">367,267</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">38.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">431,520</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44.0</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,459</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,469</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,512</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,361</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26,235</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><br>
</font> &#160;&#160;&#160;line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">99,082</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">105,244</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">105,297</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">94,324</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">77,206</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,657</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,788</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.9</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,156</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">24,210</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">24,132</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">869,284</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">864,988</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">887,596</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">952,492</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">979,273</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;The following table sets forth certain information regarding the contractual maturities of the Bank's loan portfolio as of December 31, 2012:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&lt; 1 Year</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1 - 5 Years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5 - 10 Years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&gt; 10 Years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,591</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23,791</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,358</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">202,595</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">251,335</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,692</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,245</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">259</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,221</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,417</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,380</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,187</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,615</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">30,001</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">81,183</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">859</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,735</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,371</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,739</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,704</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,050</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,260</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,687</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">346,450</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">379,447</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,477</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">502</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,480</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,459</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,381</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">149</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">871</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">96,681</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">99,082</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,493</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,093</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">793</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,278</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,657</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">34,923</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">65,962</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">64,954</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">703,445</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">869,284</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table provides a listing of loans by class, between variable and fixed rates as of December 31, 2012.</div>

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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
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<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
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<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"><u>Fixed-Rate</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"><u>Adjustable-Rate</u></div>
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<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"><u>Total</u></div>
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<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Amount</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">% of total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Amount</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">% of total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Amount</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">% of total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

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<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">34,513</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">216,822</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">24.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">251,335</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">28.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">463</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">21,954</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,417</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,725</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">53,458</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">81,183</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9.3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,704</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,704</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">193,101</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22.3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">186,346</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">21.4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">379,447</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">43.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,043</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,416</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,459</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,596</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">97,486</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">99,082</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,686</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,971</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.7</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,657</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.7</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">284,831</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">33.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">584,453</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">67.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">869,284</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Concentrations</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, the Bank did not have any concentration of loans in one particular industry that exceeded 10% of its total loan portfolio.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans Held for Sale</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, the Bank had $1.0 million in loans held for sale. &#160;This compares to no loans held for sale at December 31, 2011. Loans held for sale are carried at the lower of cost or market value. <font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">No recourse obligations have been incurred in connection with the sale of loans.</font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Credit Risk Management and Allowance for Loan Losses</div>

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</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credit risk is the risk of loss arising from the inability of a borrower to meet its obligations. We manage credit risk by evaluating the risk profile of the borrower, repayment sources, the nature of the underlying collateral, and other support given current events, conditions, and expectations. We attempt to manage the risk characteristics of our loan portfolio through various control processes, such as credit evaluation of borrowers, establishment of lending limits, and application of lending procedures, including the holding of adequate collateral and the maintenance of compensating balances. However, we seek to rely primarily on the cash flow of our borrowers as the principal source of repayment. Although credit policies and evaluation processes are designed to minimize our risk, Management recognizes that loan losses will occur and the amount of these losses will fluctuate depending on the risk characteristics of our loan portfolio, as well as general and regional economic conditions.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">We provide for loan losses through the establishment of an allowance for loan losses which represents an estimated reserve for existing losses in the loan portfolio. We deploy a systematic methodology for determining our allowance that includes a quarterly review process, risk rating, and adjustment to our allowance. We classify our portfolios as either commercial or residential and consumer and monitor credit risk separately as discussed below. We evaluate the appropriateness of our allowance continually based on a review of all significant loans, with a particular emphasis on nonaccruing, past due, and other loans that we believe require special attention.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The allowance consists of four elements: (1) specific reserves for loans evaluated individually for impairment; (2) general reserves for types or portfolios of loans based on historical loan loss experience; (3) qualitative reserves judgmentally adjusted for local and national economic conditions, concentrations, portfolio composition, volume and severity of delinquencies and nonaccrual loans, trends of criticized and classified loans, changes in credit policies, and underwriting standards, credit administration practices, and other factors as applicable; and (4) unallocated reserves. All outstanding loans are considered in evaluating the appropriateness of the allowance.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Appropriateness of the allowance for loan losses is determined using a consistent, systematic methodology, which analyzes the risk inherent in the loan portfolio. In addition to evaluating the collectability of specific loans when determining the appropriateness of the allowance for loan losses, Management also takes into consideration other factors such as changes in the mix and size of the loan portfolio, historic loss experience, the amount of delinquencies and loans adversely classified, economic trends, changes in credit policies, and experience, ability and depth of lending management. The appropriateness of the allowance for loan losses is assessed by an allocation process whereby specific reserve allocations are made against</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">certain adversely classified loans, and general reserve allocations are made against segments of the loan portfolio which have similar attributes. The Company's historical loss experience, industry trends, and the impact of the local and regional economy on the Company's borrowers, are considered by Management in determining the appropriateness of the allowance for loan losses.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The allowance for loan losses is increased by provisions charged against current earnings. Loan losses are charged against the allowance when Management believes that the collectability of the loan principal is unlikely. Recoveries on loans previously charged off are credited to the allowance. While Management uses available information to assess possible losses on loans, future additions to the allowance may be necessary based on increases in non-performing loans, changes in economic conditions, growth in loan portfolios, or for other reasons. Any future additions to the allowance would be recognized in the period in which they were determined to be necessary. In addition, various regulatory agencies periodically review the Company's allowance for loan losses as an integral part of their examination process. Such agencies may require the Company to record additions to the allowance based on judgments different from those of Management.</div>

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</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Commercial</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our commercial portfolio includes all secured and unsecured loans to borrowers for commercial purposes, including commercial lines of credit and commercial real estate. Our process for evaluating commercial loans includes performing updates on loans that we have rated for risk. Our non-performing commercial loans are generally reviewed individually to determine impairment, accrual status, and the need for specific reserves. Our methodology incorporates a variety of risk considerations, both qualitative and quantitative. Quantitative factors include our historical loss experience by loan type, collateral values, financial condition of borrowers, and other factors. Qualitative factors include judgments concerning general economic conditions that may affect credit quality, credit concentrations, the pace of portfolio growth, and delinquency levels; these qualitative factors are also considered in connection with our unallocated portion of our allowance for loan losses.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The process of establishing the allowance with respect to our commercial loan portfolio begins when a loan officer initially assigns each loan a risk rating, using established credit criteria. Approximately 50% of our outstanding loans and commitments are subject to review and validation annually by an independent consulting firm, as well as periodically by our internal credit review function. Our methodology employs Management's judgment as to the level of losses on existing loans based on our internal review of the loan portfolio, including an analysis of the borrowers' current financial position, and the consideration of current and anticipated economic conditions and their potential effects on specific borrowers and or lines of business. In determining our ability to collect certain loans, we also consider the fair value of any underlying collateral. We also evaluate credit risk concentrations, including trends in large dollar exposures to related borrowers, industry and geographic concentrations, and economic and environmental factors.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Residential, Home Equity and Consumer</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Consumer, home equity and residential mortgage loans are generally segregated into homogeneous pools with similar risk characteristics. Trends and current conditions in these pools are analyzed and historical loss experience is adjusted accordingly. Quantitative and qualitative adjustment factors for the consumer, home equity and residential mortgage portfolios are consistent with those for the commercial portfolios. Certain loans in the consumer and residential portfolios identified as having the potential for further deterioration are analyzed individually to confirm the appropriate risk status and accrual status, and to determine the need for a specific reserve. Consumer loans that are greater than 120 days past due are generally charged off. Residential loans and home equity lines of credit that are greater than 90 days past due are evaluated for collateral adequacy and if deficient are placed on non-accrual status.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unallocated</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The unallocated portion of the allowance is intended to provide for losses that are not identified when establishing the specific and general portions of the allowance and is based upon Management's evaluation of various conditions that are not directly measured in the determination of the portfolio and loan specific allowances. Such conditions include general economic and business conditions affecting our lending area, credit quality trends (including trends in delinquencies and nonperforming loans expected to result from existing conditions), loan volumes and concentrations, duration of the current business cycle, bank regulatory examination results, findings of external loan review examiners, and Management's judgment with respect to various other conditions including loan administration and management and the quality of risk identification systems. Management reviews these conditions quarterly. We have risk management practices designed to ensure timely identification of changes in loan risk profiles; however, undetected losses may exist inherently within the loan portfolio. The judgmental aspects involved in applying the risk grading criteria, analyzing the quality of individual loans, and assessing collateral values can also contribute to undetected, but probable, losses.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The allowance for loan losses includes reserve amounts assigned to individual loans on the basis of loan impairment. Certain loans are evaluated individually and are judged to be impaired when Management believes it is probable that the Company will not collect all of the contractual interest and principal payments as scheduled in the loan agreement. Under this method, loans are selected for evaluation based on internal risk ratings or non-accrual status. A specific reserve is allocated to an individual loan when that loan has been deemed impaired and when the amount of a probable loss is estimable on the basis of its collateral value, the present value of anticipated future cash flows, or its net realizable value. At December 31, 2012, impaired loans with specific reserves totaled $17.5 and the amount of such reserves was $3.5 million. This compares to impaired loans with specific reserves of $14.2 million at December 31, 2011 and the amount of such reserves was $2.1 million.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">All of these analyses are reviewed and discussed by the Directors' Loan Committee, and recommendations from these processes provide Management and the Board of Directors with independent information on loan portfolio condition. Our total allowance at December 31, 2012 is considered by Management to be appropriate to address the credit losses inherent in the loan portfolio at that date. Management views the level of the allowance for loan losses as appropriate. However, our determination of the appropriate allowance level is based upon a number of assumptions we make about future events, which we believe are reasonable, but which may or may not prove valid. Thus, there can be no assurance that our charge-offs in future periods will not exceed our allowance for loan losses or that we will not need to make additional increases in our allowance for loan losses.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes our allocation of allowance by loan class as of December 31, 2012, 2011, 2010, 2009 and 2008. The percentages are the portion of each loan type to total loans.</div>

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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
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<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in</div>
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<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="38">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,865</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,659</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,260</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,986</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">25.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,958</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22.3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,359</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">658</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,012</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">807</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">650</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,050</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,063</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,377</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,363</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,595</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">20</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,109</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43.7</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,159</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">39.5</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,408</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">38.1</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">38.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">713</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">255</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">174</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><br>
</font> &#160;&#160;&#160;line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">654</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">595</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">670</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">515</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">482</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">592</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">584</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">646</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">717</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">662</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">842</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,008</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,880</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,854</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">676</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,500</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,316</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,637</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,800</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;The allowance for loan losses totaled $12.5 million at December 31, 2012, compared to $13.0 million at December 31, 2011. Management's ongoing application of methodologies to establish the allowance include an evaluation of non-accrual loans and troubled debt restructured for specific reserves. These specific reserves increased $1.4 million in 2012 from $2.1 million at December 31, 2011 to $3.5 million at December 31, 2012. The specific loans that make up those categories change from period to period. Impairment on those loans, which would be reflected in the allowance for loan losses, might or might not exist, depending on the specific circumstances of each loan. The portion of the reserve based upon homogeneous pools of loans decreased by $197,000 in 2012. This was attributable to a lower level of classified loans in 2012. The portion of the reserve based on qualitative factors decreased by $618,000 during 2012 as a result of adjustments for several qualitative factors. Despite the shifts in specific, pooled and qualitative reserves, Management feels that market trends and other internal factors justified the decrease in unallocated reserves during 2012.</div>

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<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A breakdown of the allowance for loan losses as of December 31, 2012, by loan class and allowance element, is presented in the following table:</div>

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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">In thousands of dollars</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Specific Reserves Evaluated Individually for Impairment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">General Reserves Based on Historical Loss Experience</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Reserves for Qualitative Factors</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,523</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,369</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,973</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,865</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">969</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">213</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">177</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,359</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">652</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">763</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">635</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,050</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">395</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">278</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">436</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,109</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">315</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">339</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">654</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">362</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">230</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">592</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">842</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">842</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,539</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,304</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,815</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">842</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,500</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Based upon Management's evaluation, provisions are made to maintain the allowance as a best estimate of inherent losses within the portfolio. The provision for loan losses to maintain the allowance at an appropriate level was $7.8 million in 2012 compared to $10.5 million in 2011. Net charge offs were $8.3 million in 2012 compared to net charge offs of $10.9 million in 2011. The allowance as a percentage of loans outstanding stood at 1.44% in 2012 compared to 1.50% in 2011.</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter"></div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes the activities in our allowance for loan losses as of December 31, 2012, 2011, 2010, 2009 and 2008:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="18">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Balance at beginning of year</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,316</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,637</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,800</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,800</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans charged off:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,394</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,619</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,005</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,430</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">928</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">346</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">175</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,215</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,492</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,125</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,329</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,997</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,911</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,421</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">392</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,767</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">113</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">389</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">505</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,361</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">47</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">688</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">415</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">177</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">83</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">555</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">381</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">951</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">826</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">745</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,080</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,179</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,017</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,576</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,941</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recoveries on loans previously charged off</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">246</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">113</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">60</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">69</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">79</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">32</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">110</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">59</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">54</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">208</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">222</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">219</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">114</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">204</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">745</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">313</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">296</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">253</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">241</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Net loans charged off</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,335</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,866</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,721</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,323</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,700</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Provision for loan losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,835</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,550</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,400</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,160</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,700</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Balance at end of period</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,500</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,316</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,637</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,800</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ratio of net loans charged off to average loans outstanding</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.95</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.23</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.94</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.75</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.28</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ratio of allowance for loan losses to total loans outstanding</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.44</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.50</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.50</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.43</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.90</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Management believes the allowance for loan losses is appropriate as of December 31, 2012. In Management's opinion, the level of the provision for loan losses and the corresponding decrease in the allowance for loan losses is directionally consistent with the overall credit quality of our loan portfolio and corresponding levels of nonperforming loans and unallocated reserves, as well as with the performance of the national and local economies, higher levels of unemployment and the outlook for the recession continuing for some time to come.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nonperforming Loans</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Nonperforming loans are comprised of loans for which, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement or when principal and interest is 90 days or more past due unless the loan is both well secured and in the process of collection (in which case the loan may continue to accrue interest in spite of its past due status). A loan is "well secured" if it is secured (1) by collateral in the form of liens on or pledges of real or personal property, including securities, that have a realizable value sufficient to discharge the debt (including accrued interest) in full, or (2) by the guarantee of a financially responsible party. A loan is "in the process of collection" if collection of the loan is proceeding in due course either (1) through legal action, including judgment enforcement procedures, or, (2) in appropriate circumstances, through collection efforts not involving legal action which are reasonably expected to result in repayment of the debt or in its restoration to a current status in the near future.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">When a loan becomes nonperforming (generally 90 days past due), it is evaluated for collateral dependency based upon the most recent appraisal or other evaluation method. If the collateral value is lower than the outstanding loan balance plus accrued interest and estimated selling costs, the loan is placed on non-accrual status, all accrued interest is reversed from interest income, and a specific reserve is established for the difference between the loan balance and the collateral value less selling costs or, in certain situations, the difference between the loan balance and the collateral value less selling costs is written off. Concurrently, a new appraisal or valuation may be ordered, depending on collateral type, currency of the most recent valuation, the size of the loan, and other factors appropriate to the loan. Upon receipt and acceptance of the new valuation, the loan may have an additional specific reserve or write down based on the updated collateral value. On an ongoing basis, appraisals or valuations may be done periodically on collateral dependent non-performing loans and an additional specific reserve or write down will be made, if appropriate, based on the new collateral value.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Once a loan is placed on nonaccrual, it remains in nonaccrual status until the loan is current as to payment of both principal and interest and the borrower demonstrates the ability to pay and remain current. All payments made on non-accrual loans are applied to the principal balance of the loan.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Nonperforming loans, expressed as a percentage of total loans, totaled 2.20% at December 31, 2012 compared to 3.21% at December 31, 2011. The following table shows the distribution of nonperforming loans by class as of December 31, 2012, 2011, 2010, 2009, and 2008:</div>

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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="18">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,603</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,064</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,946</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,198</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,477</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">101</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,350</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">937</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">458</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,459</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,784</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,753</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,638</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,742</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10,333</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,194</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,347</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,868</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,163</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,567</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">654</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,163</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">519</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">143</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">67</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">53</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">106</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">75</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total non-performing loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,150</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,806</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">21,175</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,562</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,449</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total nonperforming loans does not include loans 90 or more days past due and still accruing interest. These are loans in which we expect to collect all amounts due, including past-due interest. As of December 31, 2012, loans 90 or more days past due and still accruing interest totaled $1.1 million, compared to $1.2 million, $1.1 million, $1.2 million and $5.0 million at December 31, 2011, 2010, 2009 and 2008, respectively.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, 24 loans with a balance of $3.4 million were non-performing and also classified as troubled-debt-restructured.</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter"></div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Troubled Debt Restructured</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A restructuring of debt constitutes a troubled debt restructuring ("TDR") if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan based upon the following criteria:</div>

<div>
<table style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The borrower demonstrates financial difficulty; common indicators include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender, and</div>
</td>
</tr>
</table>
</div>

<div>
<table style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank has granted a concession; common concession types include maturity date extension, interest rate adjustments to below market pricing, and deferment of payments.</div>
</td>
</tr>
</table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Our efforts to assist homeowners and other borrowers increased our overall level of TDRs in 2012. As of December 31, 2012 there were 101 loans with an aggregate outstanding balance of $30.0 million that have been restructured. This compares to 59 loans with amounts totaling $22.9 million as of December 31, 2011. The following table shows the activity in loans classified as TDRs between December 31, 2010 and December 31, 2012:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Balance in Thousands of Dollars</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Number of Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Aggregate Balance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total at December 31, 2010</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">34</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,670</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Added in 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">31</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,325</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Removed in 2011</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(6</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(1,137</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total at December 31, 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">59</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,858</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Added in 2012</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">52</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,657</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Removed in 2012</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(10</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(7,560</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total at December 31, 2012</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,955</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, 70 loans with an aggregate balance of $24.9 million were performing under the modified terms, seven loans with an aggregate balance of $1.7 million were more than 30 days past due and 24 loans with an aggregate balance of $3.4 million were on nonaccrual. As a percentage of aggregate outstanding balance, 83.0% was performing under the modified terms, 5.8% was more than 30 days past due and 11.2% was on nonaccrual. The performance status of all TDRs as of December 31, 2012, as well as the associated specific balance in the allowance for loan losses, is summarized by type of loan in the following table.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In thousands of dollars</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Performing</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As Modified</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">30+ Days Past Due</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">and Accruing</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">On</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Nonaccrual</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">All</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">TDRs</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,890</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">608</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,463</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,961</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,253</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,319</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,074</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,074</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,015</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,096</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,834</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,945</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">627</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">656</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">24,859</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,733</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,363</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,955</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Percent of balance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">83.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Number of loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">70</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">24</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Associated specific balance</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,414</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">150</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,590</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The majority of residential TDRs as of December 31, 2012, was comprised of 51 loans with an aggregate balance of $9.2 million, and the modifications granted fell into three major categories. Loans totaling $7.3 million had an extension of term, allowing the borrower to repay over an extended number of years and lowering the monthly payment to a level the borrower can afford. Loans totaling $3.5 million had interest capitalized, allowing the borrower to become current after unpaid interest was added to the balance of the loan and re-amortized over the remaining life of the loan. Short-term rate concessions were granted on loans totaling $1.5 million, with a rate concession typically of 1.0% or less. Certain residential TDRs had more than one modification.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The majority of commercial TDRs as of December 31, 2012, was comprised of 21 loans with a balance of $18.3 million. Of this total, 10 loans with an aggregate balance of $7.0 million had an extended period of interest-only payments, deferring the start of principal repayment. Four loans with an aggregate balance of $3.9 million were modified by reducing the balance owed, taking into account the borrower's financial resources, and charging off the remaining balance. Four loans with an aggregate balance of $3.2 million were converted from interest-only to regular principal-and-interest payments based on the borrowers' ability to service the higher payment amount. Two loans with an aggregate balance of $2.7 million were consolidated into a one loan and re-amortized with an extended term, lowering the amount of regular debt service. Two loans with an aggregate balance of $1.5 million were granted a short-term predetermined period of interest-only payments, with regular principal-and-interest payments resuming after that time.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In each case when a loan was modified, Management determined it was in the Bank's best interest to work with the borrower with modified terms rather than to proceed to foreclosure. Once a loan is classified as a TDR, however, it remains classified as such until the balance is fully repaid, despite whether the loan is performing under the modified terms. As of December 31, 2012, Management is aware of 11 loans classified as TDRs that are involved in bankruptcy with an aggregate outstanding balance of $1.2 million as well as five loans in the process of foreclosure totaling $521,000. Management does not expect a material increase in TDRs in 2013 from the amount outstanding at December 31, 2012.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Impaired Loans</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Impaired loans include restructured loans and loans placed on non-accrual status when, based on current information and events, it is probable that we will be unable to collect all amounts due according to the contractual terms of the loan agreement. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. If the measure of an impaired loan is lower than the recorded investment in the loan and estimated selling costs, a specific reserve is established for the difference. Impaired loans totaled $45.7 million at December 31, 2012, and have increased $3.6 million from December 31, 2011. The number of impaired loans increased by 20 loans from 211 to 231 during the same period. Impaired commercial loans increased $2.1 million from December 31, 2011 to December 31, 2012. The specific allowance for impaired commercial loans increased from $1.2 million at December 31, 2011 to $3.1 million as of December 31, 2012, which represented the fair value deficiencies for those loans for which the net fair value of the collateral was estimated at less than our carrying amount of the loan. From December 31, 2011 to December 31, 2012, impaired residential loans increased $1.4 million, impaired home equity lines of credit increased $148,000, and impaired consumer loans decreased $53,000.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table sets forth impaired loans as of December 31, 2012, 2011, 2010, 2009 and 2008:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="18">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">15,774</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,141</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,946</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,198</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,477</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,354</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,702</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">937</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">458</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,861</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,042</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,753</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,638</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,742</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,444</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,821</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,455</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,149</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,163</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,567</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,311</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,163</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">519</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">143</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">67</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">53</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">106</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">75</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,744</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">42,120</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">25,283</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">25,843</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,449</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter"></div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Past Due Loans</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank's overall loan delinquency ratio was 2.67% at December 31, 2012, versus 3.07% at December 31, 2011. Loans 90 days delinquent and accruing decreased from $1.2 million at December 31, 2011 to $1.1 million as of December 31, 2012. This total is made up of 7 loans, with the largest loan totaling $521,000. We expect to collect all amounts due on these loans, including interest.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table sets forth loan delinquencies as of December 31, 2012, 2011, 2010, 2009 and 2008:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="18">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,898</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,864</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,055</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,443</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,446</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">64</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,777</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,057</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">458</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">584</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,623</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,440</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,607</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,713</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">136</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,784</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,174</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,231</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,747</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,526</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">188</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,828</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,699</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,614</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,038</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">682</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,423</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">216</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">347</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">266</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">775</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">609</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">23,167</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26,597</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,915</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,894</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,301</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans 30-89 days past due to total loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.92</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.32</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.26</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.21</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans 90+ days past due and accruing to total loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.12</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.13</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.12</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.51</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans 90+ days past due on non-accrual to total loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.63</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.93</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.70</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.76</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.27</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total past due loans to total loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.67</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.07</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.15</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.14</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.99</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, the UBPR peer group had loans 30-89 days past due of 0.70% and loans 90+ days past due on non-accrual of 1.73%.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Potential Problem Loans and Loans in Process of Foreclosure</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Potential problem loans consist of classified accruing commercial and commercial real estate loans that were between 30 and 89 days past due. Such loans are characterized by weaknesses in the financial condition of borrowers or collateral deficiencies. Based on historical experience, the credit quality of some of these loans may improve due to changes in collateral values or the financial condition of the borrowers, while the credit quality of other loans may deteriorate, resulting in some amount of loss. At December 31, 2012, there were 15 potential problem loans with a balance of $2.7 million or 0.3% of total loans. This compares to 28 loans with a balance of $4.7 million or 0.5% of total loans at December 31, 2011.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, there were 38 loans in the process of foreclosure with a total balance of $5.9 million. The Bank's foreclosure process begins when a loan becomes 45 days past due at which time a preliminary foreclosure letter is sent to the borrower. If the loan becomes 80 days past due, copies of the promissory note and mortgage deed are forwarded to the Bank's attorney for review and an affidavit for a Motion for Summary Judgment is then prepared. An authorized Bank officer signs the affidavit certifying the validity of the documents and verification of the past due amount which is then forwarded to the court. Once a Motion for Summary Judgment is granted, a Period of Redemption (POR) begins which gives the customer 90 days to cure the default. A foreclosure auction date is then set 30 days from the POR expiration date if the default is not cured.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In July 2012, the Bank conducted a self-audit of its loans in foreclosure and its foreclosure process and found there were no deficiencies or areas to improve.<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font>For loans sold to the secondary market on which servicing is retained, the Bank follows Freddie Mac's and Fannie Mae's published guidelines and regularly reviews these guidelines for updates and changes to process. All secondary market loans have been sold without recourse in a non-securitized, one-on-one basis. As a result, the Bank has no liability for these loans in the event of a foreclosure.</div>

<div><br>
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<div><br>
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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Real Estate Owned</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other real estate owned and repossessed assets ("OREO") are comprised of properties or other assets acquired through a foreclosure proceeding, or acceptance of a deed or title in lieu of foreclosure. Real estate acquired through foreclosure is carried at the lower of cost or fair value less estimated cost to sell. At December 31, 2012, there were 32 properties owned with a net OREO balance of $7.6 million, net of an allowance for losses of $373,000, compared to December 31, 2011 when there were 16 properties owned with a net OREO balance of $4.1 million, net of an allowance for losses of $436,000. The following table presents the composition of other real estate owned as of December 31, 2012, 2011, 2010, 2009 and 2008:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="18">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2009</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2008</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Carrying Value</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,406</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">59</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">424</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,182</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,172</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,617</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,504</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,795</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,920</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">731</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,943</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,967</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,842</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,826</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">849</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,966</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,530</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,061</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,928</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,752</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Related Allowance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">476</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">325</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">158</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">127</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">66</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">215</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">309</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">107</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">373</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">436</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">132</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">583</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">325</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net Value</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,406</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">59</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">424</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">706</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">848</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,459</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,377</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,729</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,920</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">731</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,728</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,658</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,776</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,719</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">849</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,593</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,094</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,929</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,345</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,428</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Funding, Liquidity and Capital Resources</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31, 2012, the Bank had primary sources of liquidity of $276.2 million or 19.9% of assets. It is Management's opinion that this is appropriate. In addition, the Bank has an additional $115.8 million in borrowing capacity under the Federal Reserve Bank of Boston's Borrower in Custody program, $48.0 million in credit lines with correspondent banks, and $142.3 million in unencumbered securities available as collateral for borrowing. These bring the Bank's primary sources of liquidity to $582.3 million or 41.2% of assets. </font>The Asset/Liability Committee ("ALCO") establishes <font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">guidelines for liquidity</font>&#160;<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">in its Asset/Liability policy</font> and monitors internal liquidity measures to manage liquidity exposure. Based on its assessment of the liquidity considerations described above, Management believes the Company's sources of funding will meet anticipated funding needs.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Liquidity is the ability of a financial institution to meet maturing liability obligations and customer loan demand. The Bank's primary source of liquidity is deposits, which funded 69.4% of total average assets in 2012. While the generally preferred funding strategy is to attract and retain low cost deposits, the ability to do so is affected by competitive interest rates and terms in the marketplace. Other sources of funding include discretionary use of purchased liabilities (e.g., FHLB term advances and other borrowings), cash flows from the securities portfolios and loan repayments. Securities designated as available for sale may also be sold in response to short-term or long-term liquidity needs although Management has no intention to do so at this time.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank has a detailed liquidity funding policy and a contingency funding plan that provide for the prompt and comprehensive response to unexpected demands for liquidity. Management has developed quantitative models to estimate needs for contingent funding that could result from unexpected outflows of funds in excess of "business as usual" cash flows. In Management's estimation, risks are concentrated in two major categories: runoff of in-market deposit balances and the inability to renew wholesale sources of funding. Of the two categories, potential runoff of deposit balances would have the most significant impact on contingent liquidity. Our modeling attempts to quantify deposits at risk over selected time horizons. In addition to these unexpected outflow risks, several other "business as usual" factors enter into the calculation of the adequacy of contingent liquidity including payment proceeds from loans and investment securities, maturing debt obligations and maturing time deposits. The Bank has established collateralized borrowing capacity with the Federal Reserve Bank of Boston and also maintains additional collateralized borrowing capacity with the FHLB in excess of levels used in the ordinary course of business as well as Fed Funds lines with two correspondent banks.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposits</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During 2012, total deposits increased by $17.5 million or 1.9%, ending the year at $958.8 million compared to $941.3 million at December 31, 2011. Low-cost deposits (demand, NOW, and savings accounts) increased by $59.7 million or 19.1% during the year, money market deposits increased $2.0 million or 2.5%, and certificates of deposit decreased $44.1 million or 8.0%. The majority of the change in certificates of deposit year-to-date was primarily from a shift in funding between borrowed funds and certificates of deposit. The increase in low-cost deposits is due to an inflow of low-cost deposits due to the low interest rate environment and a net $25 million lift in low-cost deposits in the fourth quarter with the acquisition of the former Bank of America branch in Rockland. Average deposits decreased $26.6 million in 2012, as shown in the following table which sets forth the average daily balance for the Bank's principal deposit categories for each period:</div>

<div><br>
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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>Years ended December 31,</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">% change</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2012 vs. 2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Demand deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">80,461</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">76,686</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">69,260</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.92</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">NOW accounts</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">129,125</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">123,377</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">118,400</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Money market accounts</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">76,972</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">74,945</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">78,155</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.70</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Savings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">124,173</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">109,561</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">97,484</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13.34</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certificates of deposit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">576,049</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">628,855</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">597,982</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-8.40</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total deposits</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">986,780</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,013,424</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">961,281</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-2.63</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter"></div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The average cost of deposits (including non-interest-bearing accounts) was 0.85% for the year ended December 31, 2012, compared to 0.96% for the year ended December 31, 2011 and 1.07% for the year ended December 31, 2010. The following table sets forth the average cost of each category of interest-bearing deposits for the periods indicated.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 44.36%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div>&#160;</div>
</td>
<td style="WIDTH: 55.64%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" colspan="3">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>Years ended December 31,</u></div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 44.36%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.02%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.37%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.25%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
</tr>

<tr>
<td style="WIDTH: 44.36%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">NOW</div>
</td>
<td style="WIDTH: 18.02%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.18%</div>
</td>
<td style="WIDTH: 18.37%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.26%</div>
</td>
<td style="WIDTH: 19.25%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.33%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 44.36%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Money market</div>
</td>
<td style="WIDTH: 18.02%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.31%</div>
</td>
<td style="WIDTH: 18.37%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.46%</div>
</td>
<td style="WIDTH: 19.25%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.69%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 44.36%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Savings</div>
</td>
<td style="WIDTH: 18.02%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.28%</div>
</td>
<td style="WIDTH: 18.37%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.44%</div>
</td>
<td style="WIDTH: 19.25%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.60%</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 44.36%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certificates of deposit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.02%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.31%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.37%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.37%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.25%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.47%</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 44.36%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest-bearing deposits</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.02%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.93%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.37%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.04%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.25%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.15%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Of all certificates of deposit, $304.7 million or 60.33% will mature by December 31, 2013. As of December 31, 2012, the Bank held a total of $305.8 million in certificate of deposit accounts with balances in excess of $100,000. The following table summarizes the time remaining to maturity for these certificates of deposit:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>As of December 31,</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Within 3 Months</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">131,768</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">140,397</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3 Months through 6 months</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">34,838</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">50,919</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6 months through 12 months</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">53,129</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">38,240</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Over 12 months</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">86,056</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">102,784</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">305,791</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">332,340</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Borrowed Funds</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds consists mainly of advances from the Federal Home Loan Bank of Boston (FHLB) which are secured by FHLB stock, funds on deposit with FHLB, U.S. agencies notes and mortgage-backed securities and qualifying first mortgage loans. As of December 31, 2012, the Bank's total FHLB borrowing capacity, based upon the Bank's holding of FHLB stock, was $248.9 million, of which $67.5 million was unused. As of December 31, 2012, advances totaled $181.4 million, with a weighted average interest rate of 2.04% and remaining maturities ranging from two days to 12 years. This compares to advances totaling $175.1 million, with a weighted average interest rate of 1.89% and remaining maturities ranging from three days to 13 years, as of December 31, 2011, and advances totaling $198.6 million, with a weighted average interest rate of 2.09% and remaining maturities ranging from three days to 14 years, as of December 31, 2010. The increase in the weighted average rate paid on borrowed funds in 2012 compared to 2011 is due to maturing lower-cost borrowings being replaced by other sources of funding, and as a result increasing the average rate since the remaining liabilities have higher interest rates.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank offers securities repurchase agreements to municipal and corporate customers as an alternative to deposits. The balance of these agreements as of December 31, 2012 was $101.5 million, compared to $90.5 million on December 31, 2011, and $57.3 million on December 31, 2010. The weighted average rates of these agreements were 0.84% as of December 31, 2012, compared to 0.97% as of December 31, 2011 and 1.16% as of December 31, 2010.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The maximum amount of borrowed funds outstanding at any month-end during each of the last three years was $304.7 million at the end of September in 2012, $277.4 million at the end of October in 2011, and $257.3 million at the end of December in 2010. The average amount outstanding during 2012 was $263.3 million with a weighted average interest rate of 1.73%. This compares to an average outstanding amount of $241.9 million with a weighted average interest rate of 2.05% in 2011, and an average outstanding amount of $230.9 million with a weighted average interest rate of 2.76% in 2010. The decline in average cost realized during 2012 is consistent with the interest rate policy and actions of the FOMC.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Capital Resources</div>

<div><br>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Shareholders' equity as of December 31, 2012 was $156.3 million, compared to $150.9 million as of December 31, 2011. The Company's earnings for 2012, net of dividends paid, added to shareholders' equity. </font>Capital at December 31, 2012 was sufficient to meet the requirements of regulatory authorities. Leverage capital of the Company, or total shareholders' equity divided by average total assets for the current quarter less goodwill and any net unrealized gain or loss on securities available for sale and postretirement benefits, stood at 8.46% on December 31, 2012 and 8.32% at December 31, 2011. To be rated "well-capitalized", regulatory requirements call for a minimum leverage capital ratio of 5.00%. At December 31, 2012, the Company had tier-one risk-based capital of 14.80% and tier-two risk-based capital of 16.05%, versus 14.40% and 15.66%, respectively, at December 31, 2011. To be rated "well-capitalized", regulatory requirements call for minimum tier-one and tier-two risk-based capital ratios of 6.00% and 10.00%, respectively. The Company's actual levels of capitalization were comfortably above the standards to be rated "well-capitalized" by regulatory authorities.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On November 21, 2008, the Company received approval for a $25.0 million preferred stock investment by the U.S. Treasury under the <font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Capital Purchase Program ("CPP")</font>. The Company completed the CPP investment transaction on January 9, 2009. The CPP Shares call for cumulative dividends at a rate of 5.0% per year for the first five years, and at a rate of 9.0% per year in following years. The CPP Shares qualify as Tier 1 capital on the Company's books for regulatory purposes and rank senior to the Company's common stock and ranks senior or at an equal level in the Company's capital structure to any other shares of preferred stock the Company may issue in the future.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On August 24, 2011, the Company repurchased $12.5 million of the CPP Shares. The repurchase transaction was approved by the Federal Reserve Bank of Boston, the Company's primary regulator, as well as the Bank's primary regulator, the Office of the Comptroller of the Currency. These approvals were based on the Company's and the Bank's continued strong capital ratios after the repayment, and almost all of the repayment was made from retained earnings accumulated since the preferred stock was issued in 2009. After the repurchase, $12.5 million of CPP Shares remains outstanding. The warrants issued in conjunction with the CPP Shares for 225,904 shares of Common Stock at an exercise price of $16.60 per share were unchanged as a result of the repurchase transaction and remains outstanding.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During 2012, the Company declared cash dividends of $0.195 per share in each quarter or $0.78 per share for the year. The Company's dividend payout ratio (dividends declared per share divided by earnings per share) was 63.93% of earnings in 2012 compared to 68.42% in 2011 and 70.91% in 2010. The ability of the Company to pay cash dividends to its Shareholders depends on receipt of dividends from its subsidiary, the Bank. A total of $8.3 million in dividends was declared in 2012 from the Bank to the Company.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In determining future dividend payout levels, the Board of Directors carefully analyzes capital requirements and earnings retention, as set forth in the Company's Dividend Policy. The Bank may pay dividends to the Company out of so much of its net profits as the Bank's directors deem appropriate, subject to the limitation that the total of all dividends declared by the Bank in any calendar year may not exceed the total of its net profits of that year combined with its retained net profits of the preceding two years. Based upon this restriction, the amount available for dividends in 2013 will be that year's net income plus $6.8 million. The payment of dividends from the Bank to the Company may be additionally restricted if the payment of such dividends resulted in the Bank failing to meet regulatory capital requirements.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In 2012, 47,734 shares were issued via employee stock programs, the dividend reinvestment plan, the exercise of stock options, and restricted stock grants. The Company received consideration totaling $499,000. &#160;The following table summarizes the Company's 2012 stock issuances:</div>

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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 69.81%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dividend reinvestment plan</div>
</td>
<td style="WIDTH: 30.19%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,056</div>
</td>
</tr>

<tr>
<td style="WIDTH: 69.81%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Employee stock program</div>
</td>
<td style="WIDTH: 30.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,451</div>
</td>
</tr>

<tr>
<td style="WIDTH: 69.81%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Stock options exercised</div>
</td>
<td style="WIDTH: 30.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,000</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 69.81%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net restricted stock grants</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 30.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,227</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 69.81%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 30.19%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">47,734</div>
</td>
</tr>
</table>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Except as identified in Item 1A, "Risk Factors", Management knows of no present trends, events or uncertainties that will have, or are reasonably likely to have, a material effect on capital resources, liquidity, or results of operations.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Contractual Obligations</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table sets forth the contractual obligations and commitments to extend credit of the Company as of December 31, 2012:</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
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<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Less than</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1 year</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1-3 years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3-5 years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">More than 5 years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Borrowed funds</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">282,905</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">142,749</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">50,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">60,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,156</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Operating leases</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">816</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">162</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">274</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">249</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">131</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Certificates of deposit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">505,056</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">304,719</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">166,397</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">33,940</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">788,777</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">447,630</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">216,671</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">94,189</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,287</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Unused lines, collateralized by residential real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56,420</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">56,420</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Other unused commitments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,747</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">45,747</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Standby letters of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,700</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,700</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Commitments to extend credit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,245</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,245</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Total loan commitments and unused lines of credit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">111,112</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">111,112</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company is party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These include commitments to originate loans, commitments for unused lines of credit, and standby letters of credit. The instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. Commitments for unused lines are agreements to lend to a customer provided there is no violation of any condition established in the contract and generally have fixed expiration dates. Standby letters of credit are conditional commitments issued by the Bank to guarantee a customer's performance to a third party. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers. As of December 31, 2012, the Company's off-balance-sheet activities consisted entirely of commitments to extend credit.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Off-Balance Sheet Financial Instruments</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">No material off-balance sheet risk exists that requires a separate liability presentation.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Capital Purchases</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In 2012, the Company made capital purchases totaling $1.7 million for real estate improvements for branch or operations premises and equipment related to technology. This cost will be amortized over an average of seven years, adding approximately $247,000 to pre-tax operating costs per year. The Company also purchased a branch at 63 Union Street in Rockland, Maine, from Camden National Bank that was formerly operated by Bank of America. As part of the transaction, the Bank acquired approximately $32.3 million in deposits as well as a small volume of loans. The Company also purchased a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National Bank, and opened a full-service branch in this building in February of 2013. The acquisition allows the Bank to expand its community banking franchise into eastern Maine and expand its presence in Rockland, Maine. The acquisition-date estimated fair values of assets acquired and liabilities assumed in Rockland and Bangor were as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,297</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">224</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Bank premises and equipment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,776</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest receivable and other assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">24</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Core deposit intangible</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">432</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Goodwill</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,121</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">31,858</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest and other liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The purchase premium of $2.6 million was allocated to assets acquired and liabilities assumed based on estimates of fair value at the date of acquisition. The fair value of the deposit accounts assumed was compared to the carrying amounts received and the difference of $432,000 was recorded as core deposit intangible. The core deposit intangible is subject to amortization over the estimated ten-year average life of the acquired core deposit base and will be evaluated for impairment periodically. The amortization expense will be included in other noninterest expense in the Consolidated Statements of Income and Comprehensive Income and is deductible for tax purposes. As of December 31, 2012, the amortization expense related to the core deposit intangible, absent any future impairment, is expected to be as follows:</div>

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<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2015</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2017</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Thereafter</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">217</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">432</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The banking facilities were valued at the most recent tax assessed value, which approximates fair value. The loans acquired were recorded at fair value at the time of acquisition. The estimated fair value of the loans acquired is equal to the carrying value. The excess of the purchase price over the fair value of the assets acquired, liabilities assumed, and the amount allocated for core deposit intangible totaled $2.1 million and was recorded as goodwill. The goodwill is not amortizable but is deductible for tax purposes. Management periodically assesses qualitative factors to determine whether goodwill is impaired. Management is not aware of any such events or circumstances that would cause it to conclude that the goodwill is impaired.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Goodwill</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">In addition to goodwill totaling $2.1 million related to the 2012 purchase detailed in the previous section, the Company booked $27.6 million in goodwill related to the 2005 acquisition of FNB Bankshares of Bar Harbor, Maine. </font>The total value of the transaction was $48.0 million, and all of the voting equity interest of FNB <font style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Bankshares</font> was acquired in the transaction. As of December 31, 2012, the Company completed its annual review of goodwill and determined there has been no impairment.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Effect of Future Interest Rates on Post-retirement Benefit Liabilities</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In evaluating the Company's post-retirement benefit liabilities, Management believes changes in discount rates which have occurred pursuant to recently enacted Federal legislation will not have a significant impact on the Company's future operating results or financial condition.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 54</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 7A. Quantitative and Qualitative Disclosures about Market Risk</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Market risk is the risk of loss arising from adverse changes in the fair value of financial instruments due to changes in interest rates, and the Company's market risk is composed primarily of interest rate risk. The Bank's Asset/Liability Committee (ALCO) is responsible for reviewing the interest rate sensitivity position of the Company and establishing policies to monitor and limit exposure to interest rate risk. All guidelines and policies established by ALCO have been approved by the Board of Directors.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Asset/Liability Management</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The primary goal of asset/liability management is to maximize net interest income within the interest rate risk limits set by ALCO. Interest rate risk is monitored through the use of two complementary measures: static gap analysis and earnings simulation modeling. While each measurement has limitations, taken together they present a reasonably comprehensive view of the magnitude of interest rate risk in the Company, the level of risk through time, and the amount of exposure to changes in certain interest rate relationships.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Static gap analysis measures the amount of repricing risk embedded in the balance sheet at a point in time. It does so by comparing the differences in the repricing characteristics of assets and liabilities. A gap is defined as the difference between the principal amount of assets and liabilities which reprice within a specified time period. The cumulative one-year gap, at December 31, 2012, was +11.52% of total assets, which compares to +1.55% of assets at December 31, 2011. ALCO's policy limit for the one-year gap is plus or minus 20% of total assets. Core deposits with non-contractual maturities are presented based upon historical patterns of balance attrition which are reviewed at least annually.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The gap repricing distributions include principal cash flows from residential mortgage loans and mortgage-backed securities in the time frames in which they are expected to be received. Mortgage prepayments are estimated by applying industry median projections of prepayment speeds to portfolio segments based on coupon range and loan age.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company's summarized static gap, as of December 31, 2012, is presented in the following table:</div>

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</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0-90</div>
</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">90-365</div>
</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1-5</div>
</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: center; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5+</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Days</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Days</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Years</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investment securities at carrying value</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,707</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">75,985</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">143,676</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">169,566</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Restricted equity securities, at cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,412</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,036</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">408,569</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">149,506</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">155,506</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">155,703</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other interest-earning assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,510</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-rate-sensitive assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,632</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">82,508</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;Total assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">479,320</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">236,001</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">299,182</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">408,813</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest-bearing deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">244,136</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">153,375</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">238,856</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">232,231</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">142,749</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">110,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">30,156</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-rate-sensitive liabilities and equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,791</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,318</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,106</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">215,598</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;Total liabilities and equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">389,676</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">161,693</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">393,962</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">477,985</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Period gap</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">89,644</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">74,308</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(94,780</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(69,172</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Percent of total assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6.30</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-6.66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-4.86</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cumulative gap (current)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">89,644</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">163,952</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">69,172</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Percent of total assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6.30</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11.52</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.86</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.00</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The earnings simulation model forecasts capture the impact of changing interest rates on one-year and two-year net interest income. The modeling process calculates changes in interest income received and interest expense paid on all interest-earning assets and interest-bearing liabilities reflected on the Company's balance sheet. None of the assets used in the simulation are held for trading purposes. The modeling is done for a variety of scenarios that incorporate changes in the absolute level of interest rates as well as basis risk, as represented by changes in the shape of the yield curve and changes in interest rate relationships. Management evaluates the effects on income of alternative interest rate scenarios against earnings in a stable interest rate environment. This analysis is also most useful in determining the short-run earnings exposures to changes in customer behavior involving loan payments and deposit additions and withdrawals.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company's most recent simulation model projects net interest income would decrease by approximately 1.5% of stable-rate net interest income if short-term rates affected by Federal Open Market Committee actions fall gradually by one percentage point over the next year, and increase by approximately 0.8% if rates rise gradually by two percentage points. Both scenarios are well within ALCO's policy limit of a decrease in net interest income of no more than 10.0% given a 2.0% move in interest rates, up or down. Management believes this reflects a reasonable interest rate risk position. In year two, and</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 55</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">assuming no additional movement in rates, the model forecasts that net interest income would be lower than that earned in a stable rate environment by 6.1% in a falling-rate scenario, and higher than that earned in a stable rate environment by 1.1% in a rising rate scenario, when compared to the year-one base scenario. A summary of the Bank's interest rate risk simulation modeling, as of December 31, 2012 and 2011 is presented in the following table:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Changes in Net Interest Income</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
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<tr>
<td style="WIDTH: 62.24%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year 1</div>
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<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div>&#160;</div>
</td>
<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.25pt solid">
<div>&#160;</div>
</td>
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<tr>
<td style="WIDTH: 62.24%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Projected changes if rates decrease by 1.0%</div>
</td>
<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-1.5%</div>
</td>
<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-0.8%</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Projected change if rates increase by 2.0%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">+0.8%</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-0.4%</div>
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<tr>
<td style="WIDTH: 62.24%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Year 2</div>
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<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div>&#160;</div>
</td>
<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div>&#160;</div>
</td>
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<tr>
<td style="WIDTH: 62.24%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Projected changes if rates decrease by 1.0%</div>
</td>
<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-6.1%</div>
</td>
<td style="WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-7.6%</div>
</td>
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<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 62.24%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Projected change if rates increase by 2.0%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">+1.1%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 18.88%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-1.0%</div>
</td>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">This dynamic simulation model includes assumptions about how the balance sheet is likely to evolve through time and in different interest rate environments. Loans and deposits are projected to maintain stable balances. All maturities, calls and prepayments in the securities portfolio are assumed to be reinvested in similar assets. Mortgage loan prepayment assumptions are developed from industry median estimates of prepayment speeds for portfolios with similar coupon ranges and seasoning. Non-contractual deposit volatility and pricing are assumed to follow historical patterns. The sensitivities of key assumptions are analyzed annually and reviewed by ALCO.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">This sensitivity analysis does not represent a Company forecast and should not be relied upon as being indicative of expected operating results. These hypothetical estimates are based upon numerous assumptions including, among others, the nature and timing of interest rate levels, yield curve shape, prepayments on loans and securities, pricing decisions on loans and deposits, and reinvestment/ replacement of asset and liability cash flows. While assumptions are developed based upon current economic and local market conditions, the Company cannot make any assurances as to the predictive ability of these assumptions, including how customer preferences or competitor influences might change.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Interest Rate Risk Management</u></div>

<div><br>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A variety of financial instruments can be used to manage interest rate sensitivity. These may include investment securities, interest rate swaps, and interest rate caps and floors. Frequently called interest rate derivatives, interest rate swaps, caps and floors have characteristics similar to securities but possess the advantages of customization of the risk-reward profile of the instrument, minimization of balance sheet leverage and improvement of liquidity. As of December 31, 2012, the Company was using no interest rate derivatives for interest rate risk management.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company engages an independent consultant to periodically review its interest rate risk position, as well as the effectiveness of simulation modeling and reasonableness of assumptions used. As of December 31, 2012, there were no significant differences between the views of the independent consultant and Management regarding the Company's interest rate risk exposure. Management expects interest rates will remain stable in the next two years and believes that the current level of interest rate risk is acceptable.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 56</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 8. Financial Statements and Supplementary Data</u></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Consolidated Balance Sheets</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. and Subsidiary</div>

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<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap"></td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Assets</u></div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash and cash equivalents</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,958,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,115,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest bearing deposits in other banks</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,638,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">291,614,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">286,202,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Securities to be held to maturity (fair value of &#160;$150,247,000<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"> </font> <br>
at December 31, 2012, and $130,677,000 at December 31, 2011)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">143,320,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">122,661,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Restricted equity securities, at cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,448,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,035,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">869,284,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">864,988,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less allowance for loan losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,500,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,000,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">856,784,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">851,988,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest receivable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,912,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,835,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Premises and equipment, net</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22,988,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,842,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,593,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,094,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Goodwill</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">29,805,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,684,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">25,904,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,003,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,414,999,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,372,867,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Liabilities</u></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Demand deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">90,252,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">75,750,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">NOW deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">147,309,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">122,775,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Money market deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">80,983,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">79,015,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Savings deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">135,250,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">114,617,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certificates of deposit</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">505,056,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">549,176,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">958,850,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">941,333,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds &#8211; short term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">142,750,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">135,500,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds &#8211; long term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">140,155,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">130,163,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,921,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,013,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,258,676,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,222,009,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Commitments and contingent liabilities (notes 13, 17, 18 and 21)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Shareholders' equity</u></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Preferred stock, $1,000 preference value per share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,402,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,303,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Common stock, one cent par value per share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">98,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">98,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Additional paid-in capital</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">46,314,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">45,829,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Retained earnings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">89,692,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,314,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accumulated other comprehensive income (loss)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net unrealized gain on securities available-for-sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,940,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,401,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net unrecognized loss on postretirement benefit costs</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(123,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(87,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total shareholders' equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">156,323,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150,858,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total liabilities and shareholders' equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,414,999,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,372,867,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Common stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Number of shares authorized</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Number of shares issued and outstanding</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,859,914</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,812,180</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Book value per common share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14.60</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14.12</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Tangible book value per common share</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.47</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11.20</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="8">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The accompanying notes are an integral part of these consolidated financial statements</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 57</div>

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<div><br>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Consolidated Statements of Income and Comprehensive Income</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. and Subsidiary</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest and dividend income</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest and fees on loans (includes tax-exempt income of $629,000 in 2012, $696,000 in 2011, and $868,000 in 2010)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37,026,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">39,805,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,903,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest on deposits with other banks</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest and dividends on investments (includes tax-exempt income of $5,175,000 in 2012, $4,332,000 in 2011, and $3,373,000 in 2010)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,795,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,885,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,351,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest and dividend income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">51,825,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">55,702,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">57,260,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Interest expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest on deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,396,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,746,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,297,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest on borrowed funds</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,542,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,963,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,374,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,938,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,709,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,671,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">38,887,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,993,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,589,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Provision for loan losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,835,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,550,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,400,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income after provision for loan losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31,052,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,443,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">32,189,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fiduciary and investment management income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,636,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,506,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,455,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Service charges on deposit accounts</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,671,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,838,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net securities gains</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,968,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,293,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage origination and servicing income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,396,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,138,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,796,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other operating income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,607,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,125,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,044,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total non-interest income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11,278,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,750,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,135,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Non-interest expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Salaries and employee benefits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,691,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,245,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,927,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Occupancy expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,639,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,583,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,536,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Furniture and equipment expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,235,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,144,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,209,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">FDIC insurance premiums</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,212,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,391,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,931,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Acquisition-related costs</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">251,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortization of identified intangibles</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">283,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">283,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">283,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other operating expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,960,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,392,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,244,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total non-interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26,271,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">26,038,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,130,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Income before income taxes</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,059,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,155,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,194,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Applicable tax expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,371,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,791,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,078,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,688,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Basic earnings per common share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.10</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Diluted earnings per common share</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.22</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.14</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.10</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other comprehensive income (loss), net of tax</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized gain (loss) on securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">829,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,551,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,973,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Related tax expense (benefit)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">290,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,093,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,041,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Net unrealized gain (loss) on securities available for sale</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">539,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,458,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,932,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized postretirement benefits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(56,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(22,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">213,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Related tax expense (benefit)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(20,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">75,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Net unrecognized (loss) gain on postretirement benefits</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(36,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(14,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">138,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other comprehensive income (loss)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">503,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,444,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,794,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Comprehensive income</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13,191,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">21,808,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,322,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="12">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The accompanying notes are an integral part of these consolidated financial statements</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 58</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Consolidated Statements of Changes in Shareholders' Equity</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. and Subsidiary</div>

<div><br>
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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Common stock and</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accumulated other</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Preferred</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">additional paid-in capital</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Retained</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">comprehensive</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">shareholders'</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">stock</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Shares</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amount</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">earnings</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">income (loss)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">equity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance at</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2009</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24,606,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,744,170</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,218,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">78,450,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(336,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">147,938,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net unrealized loss on securities available for sale, net of tax benefit of $1,041,000</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,932,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,932,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized transition obligation for post-retirement benefits, net of taxes of $75,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">138,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">138,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Comprehensive income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,794,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,322,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash dividends declared</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,865,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,865,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Equity compensation expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortization of premium for preferred stock issuance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">99,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(99,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Proceeds from sale of common stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">28,855</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">416,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">416,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance at</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2010</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24,705,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,773,025</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,572,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">81,701,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(2,130,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">149,848,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net unrealized gain on securities available for sale, net of taxes of $5,093,000</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,458,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,458,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized transition obligation post-retirement benefits, net of tax benefit of $8,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(14,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(14,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Comprehensive income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,444,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">21,808,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash dividends declared</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,751,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,751,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Equity compensation expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">22,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">22,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortization of premium for preferred stock issuance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">98,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(98,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Payment to repurchase preferred stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(12,500,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(12,500,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Proceeds from sale of common stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">39,155</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">431,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">431,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance at</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2011</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,303,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,812,180</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,927,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">85,314,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,314,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">150,858,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
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<div>&#160;</div>
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<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Common stock and</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
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<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accumulated other</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Preferred</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">additional paid-in capital</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Retained</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">comprehensive</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">shareholders'</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">stock</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Shares</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amount</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">earnings</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">income (loss)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">equity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance at</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2011</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,303,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,812,180</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,927,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">85,314,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,314,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">150,858,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net unrealized gain on securities available for sale, net of taxes of $290,000</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">539,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">539,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized loss on post-retirement benefits, net of tax benefit of $20,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(36,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(36,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Comprehensive income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">503,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,191,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash dividends declared</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,310,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,310,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Equity compensation expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortization of premium for preferred stock issuance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">99,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(99,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Proceeds from sale of common stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">47,734</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">499,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">499,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance at</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2012</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,402,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,859,914</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">46,412,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">89,692,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,817,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">156,323,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="24">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The accompanying notes are an integral part of these consolidated financial statements</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 60</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Consolidated Statements of Cash Flows</u></div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. and Subsidiary</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash flows from operating activities</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="12">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Adjustments to reconcile net income to net cash provided by operating activities:</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Depreciation</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,314,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,355,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,394,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Change in deferred taxes</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(108,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">730,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Provision for loan losses</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,835,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,550,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,400,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Loans originated for resale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(40,606,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(34,304,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(65,726,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Proceeds from sales and transfers of loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">39,571,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,110,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">65,796,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net gain on sale or call of securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,968,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(3,293,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net amortization of investment premiums</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,676,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,583,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">899,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net (gain) loss on sale of other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(7,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(7,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">122,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Provision for losses on other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">397,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,284,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">352,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Equity compensation expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">85,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">22,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net decrease in other assets and accrued interest</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">756,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,288,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">177,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net increase (decrease) in other liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,631,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,596,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,139,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net loss on disposal of premises and equipment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Amortization of investments in limited partnerships</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">476,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">390,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net acquisition amortization</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">283,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">244,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">251,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net cash provided by operating activities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">25,023,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">29,725,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,650,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash flows from investing activities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net increase (decrease) in interest-bearing deposits in other banks</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,638,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(100,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Proceeds from sales of securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26,437,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">140,417,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">202,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Proceeds from maturities, payments, calls of securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">61,776,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,756,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">101,223,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Proceeds from maturities, payments, calls of securities held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">53,958,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">28,644,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">84,287,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Proceeds from sales of other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,345,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,124,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,722,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Purchases of securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(93,378,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(161,386,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(316,453,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Purchases of securities to be held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(74,743,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(44,424,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,363,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Redemption of restricted equity securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">995,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net (increase) decrease in loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(19,635,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,176,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">52,395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Capital expenditures</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,726,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,222,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,043,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Proceeds from sale of premises and equipment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">42,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Cash acquired, net of cash paid, in branch acquisitions</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">25,297,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net cash provided by (used in) investing activities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(19,270,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,185,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(78,130,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash flows from financing activities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net increase (decrease) in transaction and savings accounts</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">37,552,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,828,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(241,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net increase (decrease) in certificates of deposit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(51,893,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(58,981,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">52,124,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Advances on long-term borrowings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Repayments on long-term borrowings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(30,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(50,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net increase in short-term borrowings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17,242,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,340,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,552,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Repurchase of preferred stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(12,500,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Proceeds from sale of common stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">499,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">431,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">416,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Dividends paid</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(8,310,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,751,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,865,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net cash provided by (used in) financing activities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4,910,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(45,633,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">50,986,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net increase (decrease) in cash and cash equivalents</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">843,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">277,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,494,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash and cash equivalents at beginning of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,115,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,838,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,332,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash and cash equivalents at end of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,958,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,115,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,838,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest paid</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">13,052,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,901,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,824,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Income taxes paid</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,547,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,037,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,317,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-cash transactions:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Net transfer from loans to other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,234,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,566,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,780,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Fair value of assets acquired</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(6,577,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Less liabilities assumed</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">31,874,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The accompanying notes are an integral part of these consolidated financial statements</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 61</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Notes to Consolidated Financial Statements</u></div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Nature of Operations</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc. (the "Company") through its wholly-owned subsidiary, The First, N.A. ("the Bank"), provides a full range of banking services to individual and corporate customers from sixteen offices in coastal and eastern Maine. First Advisors, a division of the Bank, provides investment management, private banking and financial planning services.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 1. Summary of Significant Accounting Policies</u></div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Principles of Consolidation</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The consolidated financial statements include the accounts of the Company and the Bank. All intercompany accounts and transactions have been eliminated in consolidation.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Subsequent Events</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Events occurring subsequent to December 31, 2012, have been evaluated as to their potential impact to the financial statements.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Use of Estimates in Preparation of Financial Statements</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In preparing the financial statements in accordance with accounting principles generally accepted in the United States of America, Management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the date of the balance sheet and revenues and expenses for the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, goodwill, the valuation of mortgage servicing rights, and other-than-temporary impairment of securities.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment Securities</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investment securities are classified as available for sale or held to maturity when purchased. There are no trading account securities. Securities available for sale consist primarily of debt securities which Management intends to hold for indefinite periods of time. They may be used as part of the Bank's funds management strategy, and may be sold in response to changes in interest rates or prepayment risk, changes in liquidity needs, or for other reasons. They are accounted for at fair value, with unrealized gains or losses adjusted through shareholders' equity, net of related income taxes. Securities to be held to maturity consist primarily of debt securities which Management has acquired solely for long-term investment purposes, rather than for purposes of trading or future sale. For securities to be held to maturity, Management has the intent and the Bank has the ability to hold such securities until their respective maturity dates. Such securities are carried at cost adjusted for the amortization of premiums and accretion of discounts. Investment securities transactions are accounted for on a settlement date basis; reported amounts would not be materially different from those accounted for on a trade date basis. Gains and losses on the sales of investment securities are determined using the amortized cost of the security. For declines in the fair value of individual debt securities available for sale below their cost that are deemed to be other than temporary, where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security before recovery of its amortized cost basis, the other-than-temporary decline in the fair value of the debt security related to 1) credit loss is recognized in earnings and 2) other factors is recognized in other comprehensive income or loss. Credit loss is deemed to exist if the present value of expected future cash flows using the effective rate at acquisition is less than the amortized cost basis of the debt security. For individual debt securities where the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the security's cost basis and its fair value at the balance sheet date.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans Held for Sale</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale consist of residential real estate mortgage loans and are carried at the lower of aggregate cost or market value, as determined by current investor yield requirements.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans are generally reported at their outstanding principal balances, adjusted for chargeoffs, the allowance for loan losses and any deferred fees or costs to originate loans. Loan commitments are recorded when funded.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 62</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Fees and Costs</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loan origination fees and certain direct loan origination costs are deferred and recognized in interest income as an adjustment to the loan yield over the life of the related loans. The unamortized net deferred fees and costs are included on the balance sheets with the related loan balances, and the amortization is included with the related interest income.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for Loan Losses</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans considered to be uncollectible are charged against the allowance for loan losses. The allowance for loan losses is maintained at a level determined by Management to be appropriate to absorb probable losses. This allowance is increased by provisions charged to operating expenses and recoveries on loans previously charged off. Arriving at an appropriate level of allowance for loan losses necessarily involves a high degree of judgment. In determining the appropriate level of allowance for loan losses, Management takes into consideration several factors, including reviews of individual non-performing loans and performing loans listed on the watch report requiring periodic evaluation, loan portfolio size by category, recent loss experience, delinquency trends and current economic conditions. For all loan classes, loans over 30 days past due are considered delinquent. Impaired loans include restructured loans and loans placed on non-accrual status when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreement. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. Management takes into consideration impaired loans in addition to the above mentioned factors in determining the appropriate level of allowance for loan losses.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Troubled Debt Restructured</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A troubled debt restructured ("TDR") constitutes a restructuring of debt if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan to first determine if the borrower demonstrates financial difficulty. Common indicators of this include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender. If the borrower is experiencing financial difficulty and concessions are granted, such as maturity date extension, interest rate adjustments to below market pricing, or a deferment of payments, the loan will generally be classified as a TDR.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Goodwill and Identified Intangible Assets</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Intangible assets include the excess of the purchase price over the fair value of net assets acquired (goodwill) from the acquisition of FNB Bankshares in 2005 as well as the core deposit intangible related to the same acquisition. The core deposit intangible is amortized on a straight-line basis over ten years. Annual amortization expense for 2012, 2011 and 2010 was $283,000 and the amortization expense for each year until fully amortized will be $283,000. Intangible assets also include the goodwill and core deposit intangible from the 2012 acquisition of a bank branch in Rockland, Maine and a bank building in Bangor, Maine. The core deposit intangible will be amortized on a straight-line basis over ten years. Annual amortization expense for each year until fully amortized will be $43,000. The straight-line basis is used because the Company does not expect significant run off in the core deposits acquired. The Company annually evaluates goodwill, and periodically evaluates other intangible assets for impairment on the basis of whether these assets are fully recoverable from projected, undiscounted net cash flows of the acquired company. At December 31, 2012, the Company determined goodwill and other intangible assets were not impaired.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Income Taxes</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between financial statement carrying amounts of assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period the change is enacted.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Accrual of Interest Income and Expense</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest on loans and investment securities is taken into income using methods which relate the income earned to the balances of loans and investment securities outstanding. Interest expense on liabilities is derived by applying applicable interest rates to principal amounts outstanding. For all classes of loans, recording of interest income on problem loans, which includes impaired loans, ceases when collectibility of principal and interest within a reasonable period of time becomes doubtful. Cash payments received on non-accrual loans, which includes impaired loans, are applied to reduce the loan's principal balance until the remaining principal balance is deemed collectible, after which interest is recognized when collected. As a general rule, a loan may be restored to accrual status when payments are current for a substantial period of time, generally six months, and repayment of the remaining contractual amounts is expected or when it otherwise becomes well secured and in the process of collection.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 63</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Premises and Equipment</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Premises, furniture and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed by straight-line and accelerated methods over the asset's estimated useful life.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Real Estate Owned (OREO)</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Real estate acquired by foreclosure or deed in lieu of foreclosure is transferred to OREO and recorded at fair value, less estimated costs to sell, based on appraised value at the date actually or constructively received. Loan losses arising from the acquisition of such property are charged against the allowance for loan losses. Subsequent provisions to reduce the carrying value of a property are recorded to the allowance for OREO losses and a charge to operations on a specific property basis.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Earnings Per Share</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Basic earnings per share data are based on the weighted average number of common shares outstanding during each year. Diluted earnings per share gives effect to restricted stock granted and stock options and warrants outstanding, determined by the treasury stock method.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Post-Retirement Benefits</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The cost of providing post-retirement benefits is accrued during the active service period of the employee or director.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Comprehensive Income</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Comprehensive income includes net income and other comprehensive income (loss), which is comprised of the change in unrealized gains and losses on securities available for sale, net of tax, and unrecognized gains and loss related to post-retirement benefit costs, net of tax.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Segments</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc., through the branches of its subsidiary, The First, N.A., provides a broad range of financial services to individuals and companies in coastal Maine. These services include demand, time, and savings deposits; lending; ATM processing; and investment management and trust services. Operations are managed and financial performance is evaluated on a corporate-wide basis. Accordingly, all of the Company's banking operations are considered by Management to be aggregated in one reportable operating segment.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loan Servicing</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Servicing rights are recognized when they are acquired through sale of loans. Capitalized servicing rights are reported in other assets and are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights by predominant characteristics, such as interest rates and terms. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that fair value is less than the capitalized amount for the stratum.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 2. Cash and Cash Equivalents</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the purposes of reporting consolidated cash flows, cash and cash equivalents include cash on hand, amounts due from banks and federal funds sold. At December 31, 2012 the Company had a contractual clearing balance of $500,000 and a reserve balance requirement of $882,000 at the Federal Reserve Bank, which are satisfied by both cash on hand at branches and balances held at the Federal Reserve Bank of Boston. The Company maintains a portion of its cash in bank deposit accounts which, at times, may exceed federally insured limits. The Company has not experienced any losses in such accounts. The Company believes it is not exposed to any significant risk with respect to these accounts.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 64</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 3. Investment Securities</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following tables summarize the amortized cost and estimated fair value of investment securities at December 31, 2012 and 2011:</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Amortized</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unrealized</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unrealized</div>
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<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Fair Value</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012</font></div>
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<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Cost</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Gains</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(Estimated)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities available for sale</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">164,752,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,636,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(295,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">169,093,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">113,069,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,074,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(199,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">120,944,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,578,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(44,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,577,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">279,399,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,753,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(538,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">291,614,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities to be held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">U.S. Government-sponsored agencies</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">60,919,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">242,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(182,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">60,979,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">39,193,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,850,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,024,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,908,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,036,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">46,944,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143,320,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,128,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(201,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150,247,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Restricted equity securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Federal Home Loan Bank Stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,412,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,412,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Federal Reserve Bank Stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,036,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,036,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div>&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,448,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,448,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Amortized</div>
</td>
<td style="TEXT-ALIGN: left; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Fair Value</div>
</td>
<td style="TEXT-ALIGN: left; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2011</font></div>
</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Cost</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Gains</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(Estimated)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities available for sale</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">191,924,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,486,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(178,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">198,232,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">80,259,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,484,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(17,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,726,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,098,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(287,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">811,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,535,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(139,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,433,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">274,816,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,007,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(621,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">286,202,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities to be held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">U.S. Government-sponsored agencies</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,390,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">132,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,522,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">56,800,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,900,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(3,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">60,697,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">46,171,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,159,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(172,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">50,158,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">300,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">122,661,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,191,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(175,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">130,677,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Restricted equity securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Federal Home Loan Bank Stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,031,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,031,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Federal Reserve Bank Stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,412,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,412,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div>&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 65</div>

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<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes the contractual maturities of investment securities at December 31, 2012:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities available for sale</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities to be held to maturity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized Cost</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value (Estimated)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized Cost</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value (Estimated)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due in 1 year or less</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,761,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,926,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,754,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,785,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due in 1 to 5 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,243,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,816,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,950,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,701,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due in 5 to 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,686,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">17,666,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,461,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">29,986,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due after 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">215,131,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">225,629,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100,155,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">103,775,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,578,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,577,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">279,399,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">291,614,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143,320,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150,247,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes the contractual maturities of investment securities at December 31, 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities available for sale</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities to be held to maturity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In thousands of dollars</div>
</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><br>
</font> Cost</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value (Estimated)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Amortized<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><br>
</font> Cost</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value (Estimated)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due in 1 year or less</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,617,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,773,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,179,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,227,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due in 1 to 5 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,792,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,473,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,085,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,654,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due in 5 to 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">23,219,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">24,065,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">23,027,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">24,694,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Due after 10 years</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">224,653,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">234,458,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">84,370,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">90,102,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,535,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,433,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">274,816,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">286,202,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">122,661,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">130,677,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31, 2012, securities with a fair value of $154,817,000 were pledged to secure borrowings from the Federal Home Loan Bank of Boston, public deposits, repurchase agreements, and for other purposes as required by law. This compares to securities with a fair value of $141,506,000, as of December 31, 2011 pledged for the same purpose.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Gains and losses on the sale of securities available for sale are computed by subtracting the amortized cost at the time of sale from the security's selling price, net of accrued interest to be received.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table shows securities gains and losses for 2012, 2011 and 2010:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Proceeds from sales of securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">26,437,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">140,417,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">202,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Gross realized gains</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,257,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,020,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Gross realized losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(289,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(727,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Net gain</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,968,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,293,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Related income taxes</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">689,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,153,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes activity in the unrealized gain or loss on available for sale securities included in other comprehensive income for the years ended December 31, 2012, 2011 and 2010.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Balance at beginning of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,401,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(2,057,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(125,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unrealized gains (losses) arising during the period</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,797,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,844,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(2,971,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Realized gains during the period</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,968,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(3,293,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(2,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Related deferred taxes</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(290,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(5,093,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,041,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Net change</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">539,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,458,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(1,932,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Balance at end of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,940,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,401,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(2,057,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Management reviews securities with unrealized losses for other than temporary impairment. As of December 31, 2012, there were 42 securities with unrealized losses held in the Company's portfolio. These securities were temporarily impaired as a result of changes in interest rates reducing their fair value, of which 7 had been temporarily impaired for</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 66</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12 months or more. At the present time, there have been no material changes in the credit quality of these securities resulting in other than temporary impairment, and in Management's opinion, no additional write-down for other-than-temporary impairment is warranted.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;Information regarding securities temporarily impaired as of December 31, 2012 is summarized below:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Less than 12 months</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12 months or more</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">U.S. Government-sponsored agencies</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,817,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(182,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,817,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(182,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,982,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(231,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,534,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(83,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,516,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(314,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,621,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(199,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,621,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(199,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">222,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(44,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">222,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(44,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">34,420,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(612,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,756,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(127,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,176,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(739,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Information regarding securities temporarily impaired as of December 31, 2011 is summarized below:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Less than 12 months</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12 months or more</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2011</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">U.S. Government-sponsored agencies</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,489,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(25,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,780,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(156,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,269,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(181,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,984,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(17,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,667,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(172,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,651,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(189,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">811,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(287,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">811,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(287,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">154,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(120,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">34,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(19,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">188,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(139,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 28%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,627,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(162,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,292,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(634,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">23,919,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(796,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank is a member of the Federal Home Loan Bank ("FHLB") of Boston, a cooperatively owned wholesale bank for housing and finance in the six New England States. As a requirement of membership in the FHLB, the Bank must own a minimum required amount of FHLB stock, calculated periodically based primarily on its level of borrowings from the FHLB. The Bank uses the FHLB for much of its wholesale funding needs. As of December 31, 2012 and December 31, 2011, the Bank's investment in FHLB stock totaled $13,412,000 and $14,031,000, respectively. FHLB stock is a restricted equity security and therefore is reported at cost, which equals par value.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company periodically evaluates its investment in FHLB stock for impairment based on, among other factors, the capital adequacy of the FHLB and its overall financial condition. No impairment losses have been recorded through December 31, 2012. The Bank will continue to monitor its investment in FHLB stock.</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 67</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div style="MARGIN-BOTTOM: 10pt"><br>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 4. Loan Servicing</u></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31, 2012 and 2011, the Bank serviced loans for others totaling $205,859,000 and $238,221,000, respectively. Net gains from the sale of loans totaled $1,191,000 in 2012, $756,000 in 2011, and $977,000 in 2010. In 2012, mortgage servicing rights of $330,000 were capitalized and amortization for the year totaled $636,000. At December 31, 2012, mortgage servicing rights had a fair value of $1,228,000. In 2011, mortgage servicing rights of $368,000 were capitalized and amortization for the year totaled $573,000. At December 31, 2011, mortgage servicing rights had a fair value of $1,581,000.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Financial Accounting Standards Board ("FASB") Accounting Standards Codification (the "Codification" or "ASC") Topic 860, "Transfers and Servicing", requires all separately recognized servicing assets and servicing liabilities to be initially measured at fair value, if practicable. Servicing assets and servicing liabilities are reported using the amortization method or the fair value measurement method. In evaluating the carrying values of mortgage servicing rights, the Company obtains third party valuations based on loan level data including note rate, type and term of the underlying loans. The model utilizes several assumptions, the most significant of which is loan prepayments, calculated using a three-month moving average of weekly prepayment data published by the Public Securities Association (PSA) and modeled against the serviced loan portfolio, and the discount rate to discount future cash flows. As of December 31, 2012, the prepayment assumption using the PSA model was 412, which translates into an anticipated prepayment rate of 24.72%. The discount rate is the quarterly average ten-year U.S. Treasury interest rate plus 4.86%. Other assumptions include delinquency rates, foreclosure rates, servicing cost inflation, and annual unit loan cost. All assumptions are adjusted periodically to reflect current circumstances. Amortization of mortgage servicing rights, as well as write-offs due to prepayments of the related mortgage loans, are recorded as a charge against mortgage servicing fee income.&#160;</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage servicing rights are included in other assets and detailed in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage servicing rights</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,430,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,099,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accumulated amortization</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5,473,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(4,837,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Impairment reserve</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(90,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(61,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">867,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,201,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 5. Loans</u></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table shows the composition of the Company's loan portfolio as of December 31, 2012 and 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">December 31, 2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">251,335,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">255,424,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22,417,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2.6</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">32,574,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">81,183,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9.3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">86,982,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,704,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,221,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">379,447,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">341,286,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">39.5</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,459,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">0.7</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,469,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.2</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">99,082,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11.4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">105,244,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12.1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,657,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1.7</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,788,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1.9</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">869,284,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">864,988,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">100.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loan balances include net deferred loan costs of $1,783,000 in 2012 and $1,386,000 in 2011. Pursuant to collateral agreements, qualifying first mortgage loans, which were valued at $256,378,000 and $211,597,000 at December 31, 2012 and 2011, respectively, were used to collateralize borrowings from the Federal Home Loan Bank of Boston. In addition, commercial, construction and home equity loans totaling $220,520,000 at December 31, 2012 were used to collateralize a standby line of credit at the Federal Reserve Bank of Boston that is currently unused.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31, 2012 and 2011, non-accrual loans were $19,150,000 and $27,806,000, respectively. As of December 31, 2012, 2011 and 2010, interest income which would have been recognized on these loans, if interest had been accrued, was $1,158,000, $1,052,000, and $1,334,000, respectively. Loans more than 90 days past due accruing interest totaled $1,051,000 at December 31, 2012 and $1,170,000 at December 31, 2011. The Company continues to</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">accrue interest on these loans because it believes collection of principal and interest is reasonably assured.</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 68</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Loans to directors, officers and employees totaled $28,707,000 at December 31, 2012 and $37,935,000 at December 31, 2011. A summary of loans to directors and executive officers, which in the aggregate exceed $60,000, is as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Balance at beginning of year</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">24,551,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,525,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">New loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">275,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">237,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Repayments</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(9,909,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,211,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Balance at end of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">14,917,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">24,551,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Information on the past-due status of loans as of December 31, 2012, is presented in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">30-59 Days</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">60-89</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Days</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">90+ Days</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">All</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Current</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">90+ Days</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&amp;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Accruing</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,172,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">346,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,380,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,898,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">246,437,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">251,335,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">102,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">35,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">64,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,353,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,417,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">658,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">218,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,306,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,182,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">78,001,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">81,183,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">136,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">136,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,568,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,704,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,404,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,082,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,298,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,784,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">366,663,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">379,447,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">363,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">188,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">188,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,271,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,459,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">430,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">133,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,136,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,699,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">97,383,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">99,082,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">539,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">70,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">216,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,441,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,657,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,089,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,878,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,200,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23,167,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">846,117,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">869,284,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,051,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Information on the past-due status of loans as of December 31, 2011, is presented in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">30-59 Days Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">60-89 Days Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">90+ Days Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">All Past Due</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Current</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">90+ Days &amp; Accruing</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,367,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,505,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,992,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,864,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">248,560,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">255,424,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">174,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,603,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,777,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">30,797,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">32,574,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">665,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">766,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,192,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,623,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">84,359,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">86,982,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">52,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,221,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,221,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,933,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,398,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,843,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,174,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">329,112,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">341,286,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,118,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,271,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,469,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">480,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,134,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,614,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">103,630,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">105,244,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">230,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">347,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,441,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,788,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 16%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,675,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,944,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,978,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26,597,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">838,391,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">864,988,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,170,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For all classes, loans are placed on non-accrual status when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement or when principal and interest is 90 days or more past due unless the loan is both well secured and in the process of collection (in which case the loan may continue to accrue interest in spite of its past due status). A loan is "well secured" if it is secured (1) by collateral in the form of liens on or pledges of real or personal property, including securities, that have a realizable value sufficient to discharge the debt (including accrued interest) in full, or (2) by the guarantee of a financially responsible party. A loan is "in the process of collection" if collection of the loan is</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 69</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">proceeding in due course either (1) through legal action, including judgment enforcement procedures, or, (2) in appropriate circumstances, through collection efforts not involving legal action which are reasonably expected to result in repayment of the debt or in its restoration to a current status in the near future.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Information on nonaccrual loans as of December 31, 2012 and 2011 is presented in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,603,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,064,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">101,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,350,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,459,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,784,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10,333,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,194,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">654,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,163,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">53,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">19,150,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,806,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Information regarding impaired loans is as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Average investment in impaired loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,019,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">28,777,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,836,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest income recognized on impaired loans, all on cash basis</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,039,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">598,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Balance of impaired loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,744,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,120,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less portion for which no allowance for loan losses is allocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(28,282,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(27,897,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Portion of impaired loan balance for which an allowance for loan losses is allocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">17,462,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,223,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Portion of allowance for loan losses allocated to the impaired loan balance</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,539,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,058,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Impaired loans include restructured loans and loans placed on non-accrual. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. If the measure of an impaired loan is lower than the recorded investment in the loan and estimated selling costs, a specific reserve is established for the difference, or, in certain situations, if the measure of an impaired loan is lower than the recorded investment in the loan and estimated selling costs, the difference is written off.</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 70</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A breakdown of impaired loans by category as of December 31, 2012, is presented in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recorded Investment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unpaid</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Principal Balance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Related Allowance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Average</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recorded Investment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recognized Interest</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Income</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="20">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>With No Related Allowance</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,386,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,963,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,102,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">199,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">101,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">115,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,533,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,737,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,345,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,877,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">53,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,747,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,440,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,801,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">189,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">560,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,311,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,440,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">961,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">28,282,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">31,303,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">26,837,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">468,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="20">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>With an Allowance Recorded</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,388,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,018,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,523,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,614,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">211,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,253,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,253,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">969,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,816,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,124,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,126,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">652,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,974,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">38,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,697,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,842,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,066,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">237,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">261,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">442,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">17,462,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,239,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,539,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,182,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">571,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Total</u></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,774,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,981,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,523,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,716,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">410,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,354,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,368,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">969,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,349,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,861,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,471,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">652,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,851,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">91,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,444,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">21,282,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,867,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">426,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">821,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,311,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,440,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,403,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">45,744,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">49,542,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,539,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">45,019,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,039,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Substantially all interest income recognized on impaired loans for all classes of financing receivables was recognized on a cash basis as received.</div>

<div><br>
</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 71</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A breakdown of impaired loans by category as of December 31, 2011, is presented in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recorded Investment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unpaid</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Principal Balance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Related Allowance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Average</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recorded Investment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recognized Interest</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Income</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="20">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>With No Related Allowance</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,584,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,584,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,212,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">23,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,172,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,172,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,072,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,022,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,022,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,918,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">28,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,875,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,875,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,493,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">54,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">468,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">468,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">961,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">739,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">739,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">646,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">37,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">39,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,897,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,897,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,341,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">248,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="20">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>With an Allowance Recorded</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,557,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,557,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">808,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,307,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">103,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">530,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">530,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">33,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">247,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,020,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,020,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">402,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">681,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,946,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,946,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">478,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,628,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">228,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">730,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">730,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">235,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">244,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">424,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">424,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">91,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">272,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">57,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,223,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,223,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,058,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,436,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">350,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Total</u></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,141,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,141,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">808,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,519,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">126,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,702,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,702,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">33,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,318,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">143,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,042,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,042,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">402,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,600,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">47,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,821,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,821,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">478,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,121,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">282,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,198,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,198,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">235,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,205,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,163,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,163,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">91,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">918,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">53,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">53,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">96,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,120,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,120,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,058,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">28,777,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">598,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 6. Allowance for Loan Losses</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company provides for loan losses through the establishment of an allowance for loan losses which represents an estimated reserve for existing losses in the loan portfolio. A systematic methodology is used for determining the allowance that includes a quarterly review process, risk rating changes, and adjustments to the allowance. The loan portfolio is classified in eight segments and credit risk is evaluated separately in each segment. The appropriate level of the allowance is evaluated continually based on a review of significant loans, with a particular emphasis on nonaccruing, past due, and other loans that may require special attention. Other factors include general conditions in local and national economies; loan portfolio composition and asset quality indicators; and internal factors such as changes in underwriting policies, credit administration practices, experience, ability and depth of lending management, among others.</div>

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<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 72</div>

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</div>

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<div><br>
</div>
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<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;The following table summarizes the composition of the allowance for loan losses, by class of financing receivable and allowance, as of December 31, 2012 and 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="8">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Allowance for Loans Evaluated Individually for Impairment</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,523,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">808,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">969,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">33,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">652,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">402,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">478,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">235,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">91,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,539,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,058,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="8">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Allowance for Loans Evaluated Collectively for Impairment</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,342,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,851,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">390,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">625,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,398,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,661,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">714,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">681,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">20,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">654,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">504,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">592,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">573,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,961,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,942,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="8">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Total Allowance for Loan Losses</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,865,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,659,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,359,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">658,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,050,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,063,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,109,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,159,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">255,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">654,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">595,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">592,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">584,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,500,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,000,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div style="TEXT-ALIGN: left"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;The allowance consists of four elements: (1) specific reserves for loans evaluated individually for impairment; (2) general reserves for each portfolio segment based on historical loan loss experience; (3) qualitative reserves judgmentally adjusted for local and national economic conditions, concentrations, portfolio composition, volume and severity of delinquencies and nonaccrual loans, trends of criticized and classified loans, changes in credit policies, and underwriting standards, credit administration practices, and other factors as applicable for each portfolio segment; and (4) unallocated reserves. All outstanding loans are considered in evaluating the appropriateness of the allowance.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;A breakdown of the allowance for loan losses as of December 31, 2012 and 2011, by class of financing receivable and allowance element, is presented in the following tables:</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 73</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader"></div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Specific Reserves on Loans Evaluated Individually for Impairment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">General Reserves on Loans Based on Historical Loss Experience</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Reserves for Qualitative Factors</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,523,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,369,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,973,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,865,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">969,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">213,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">177,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,359,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">652,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">763,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">635,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,050,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">278,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">436,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,109,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">315,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">339,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">654,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">362,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">230,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">592,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,539,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,304,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,815,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,500,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;<font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2011</font></div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Specific Reserves on Loans Evaluated Individually for Impairment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">General Reserves on Loans Based on Historical Loss Experience</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Reserves for Qualitative Factors</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">808,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,578,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,273,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,659,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">33,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">332,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">293,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">658,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">402,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">883,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">778,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,063,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">478,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">222,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">459,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,159,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">235,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">255,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">91,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">149,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">355,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">595,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">331,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">242,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">584,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,058,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,501,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,433,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,000,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The qualitative amount assigned to the substandard commercial loan segments declined between December 31, 2012, and December 31, 2011, to adjust historical loss averages for the impact of recent write downs taken on a large, atypical credit. Changes to qualitative adjustments for other major portfolio segments were not material in 2012. Qualitative adjustment factors are based upon Management's evaluation of various current conditions, including:</div>

<div>
<table style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#8226;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">General economic conditions.</div>
</td>
</tr>
</table>
</div>

<div>
<table style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#8226;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credit quality trends with emphasis on loan delinquencies, nonaccrual levels and classified loans.</div>
</td>
</tr>
</table>
</div>

<div>
<table style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 36pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#8226;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loan volumes and concentrations, including changes in mix.</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other factors, including changes in quality of the loan origination; loan policy changes; changes in credit risk management processes; Bank regulatory and external loan review examination results.</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The unallocated component is available to cover imprecision or uncertainties to incorporate the range of probable outcomes inherent in estimates used for the allowance, which may change from period to period. An example of this could be a delay in receiving an updated appraisal on a troubled credit. The unallocated component totaled $842,000 at December, 2012 compared to $2.0 million as of December 31, 2011. The decline in the unallocated amount was deemed appropriate due to the following:</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 74</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Given more certainty in the status of several loans between December 31, 2011 and December 31, 2012, $666,000 was transferred from unallocated to specific reserves.</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credit quality improved significantly in 2012. Net loan chargeoffs were $8,335,000 or 0.95% of average loans, down $2,531,000 from net chargeoffs of $10,866,000 or 1.23% of average loans in 2011. Non-performing assets stood at 1.89% of total assets as of December 31, 2012 compared to 2.32% of total assets at December 31, 2011. Past-due loans were 2.67% of total loans as of December 31, 2012, the lowest year-end total in the past five years and well below 3.07% of total loans as of December 31, 2011. Management determined a lower level of unallocated was appropriate and reduced unallocated reserves by $500,000.</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Commercial loans are comprised of three major classes, commercial real estate loans, commercial construction loans and other commercial loans. Commercial real estate is primarily comprised of loans to small businesses collateralized by owner-occupied real estate, while other commercial is primarily comprised of loans to small businesses collateralized by plant and equipment, commercial fishing vessels and gear, and limited inventory-based</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">lending. Commercial real estate loans typically have a maximum loan-to-value of 75% based upon current appraisal information at the time the loan is made. Municipal loans are comprised of loans to municipalities in Maine for capitalized expenditures, construction projects or tax-anticipation notes. All municipal loans are considered general obligations of the municipality and are collateralized by the taxing ability of the municipality for repayment of debt.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Construction loans, both commercial and residential, comprise a very small portion of the portfolio, and at 23.0% of capital are well under the regulatory guidance of 100.0% of capital at December 31, 2012. Construction loans and non-owner-occupied commercial real estate loans are at 81.0% of total capital, well under regulatory guidance of 300.0% of capital at December 31, 2012.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The process of establishing the allowance with respect to the commercial loan portfolio begins when a loan officer initially assigns each loan a risk rating, using established credit criteria. Approximately 50% of the outstanding loans</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">and commitments are subject to review and validation annually by an independent consultant, as well as periodically by the Company's internal credit review function. The methodology employs Management's judgment as to the level of losses on existing loans based on internal review of the loan portfolio, including an analysis of a borrower's current financial position, and the consideration of current and anticipated economic conditions and their potential effects on specific borrowers and or lines of business. In determining the Company's ability to collect certain loans, Management also considers the fair value of underlying collateral. The risk rating system has eight levels, defined as follows:</div>

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<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Strong</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credits rated "1" are characterized by borrowers fully responsible for the credit with excellent capacity to pay principal and interest. Loans rated "1" may be secured with acceptable forms of liquid collateral.</div>

<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Above Average</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credits rated "2" are characterized by borrowers that have better than average liquidity, capitalization, earnings and/or cash flow with a consistent record of solid financial performance.</div>

<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Satisfactory</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credits rated "3" are characterized by borrowers with favorable liquidity, profitability and financial condition with adequate cash flow to pay debt service.</div>

<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Average</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credits rated "4" are characterized by borrowers that present risk more than 1, 2 and 3 rated loans and merit an ordinary level of ongoing monitoring. Financial condition is on par or somewhat below industry averages while cash flow is generally adequate to meet debt service requirements.</div>

<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Watch</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Credits rated "5" are characterized by borrowers that warrant greater monitoring due to financial condition or unresolved and identified risk factors.</div>

<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Assets Especially Mentioned (OAEM)</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans in this category are currently protected but are potentially weak and constitute an undue and unwarranted credit risk, but not to the point of justifying a classification of substandard. OAEM have potential weaknesses which may, if not checked or corrected, weaken the asset or inadequately protect the Bank's credit position at some future date.</div>

<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Substandard</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans in this category are inadequately protected by the current paying capacity of the borrower or of the collateral, if any. These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Substandard loans are characterized by the distinct possibility that the Bank may sustain some loss if deficiencies are not corrected.</div>

<div style="TEXT-ALIGN: left"><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8</font><font style="FONT-SIZE: 6pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;</font><font style="FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Doubtful</font></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans classified "Doubtful" have the same weaknesses as those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is high, but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 75</div>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes the risk ratings for the Company's commercial construction, commercial real estate, commercial other and municipal loans as of December 31, 2012:</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Rated Loans</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1 Strong</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,000</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">271,000</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,731,000</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,021,000</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2 Above average</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,871,000</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,274,000</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,084,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,061,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26,290,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3 Satisfactory</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">34,454,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,312,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,578,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,487,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">54,831,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4 &#160;Average</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">99,712,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,322,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">28,618,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,425,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">143,077,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5 Watch</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">43,369,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,721,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,524,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">64,614,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6 OAEM</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26,302,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">79,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,300,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">31,681,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7 Substandard</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">33,153,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,709,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,806,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">46,668,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8 Doubtful</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">455,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">457,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">251,335,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,417,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">81,183,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,704,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">369,639,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes the risk ratings for the Company's commercial construction, commercial real estate, commercial other and municipal loans as of December 31, 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Real Estate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Construction</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">All Risk-</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Rated Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1 Strong</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">465,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,158,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,646,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2 Above average</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">21,334,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,229,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,509,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">33,072,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3 Satisfactory</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">33,119,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,365,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,981,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,861,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">49,326,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4 &#160;Average</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">106,171,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,125,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">31,600,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,693,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">157,589,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5 Watch</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44,215,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,287,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,893,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">65,395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6 OAEM</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,309,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,320,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,303,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">25,932,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7 Substandard</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">31,575,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,323,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,362,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">55,260,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8 Doubtful</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">678,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,154,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">149,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,981,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">255,424,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">32,574,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">86,982,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,221,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">391,201,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Commercial loans are generally charged off when all or a portion of the principal amount is determined to be uncollectible. This determination is based on circumstances specific to a borrower including repayment ability, analysis of collateral and other factors as applicable.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Residential loans are comprised of two classes: term loans, which include traditional amortizing home mortgages, and construction loans, which include loans for owner-occupied residential construction. Residential loans typically have a 75% to 80% loan to value based upon current appraisal information at the time the loan is made. Home equity loans and lines of credit are typically written to the same underwriting standards. Consumer loans are primarily amortizing loans to individuals collateralized by automobiles, pleasure craft and recreation vehicles, typically with a maximum loan to value of 80% to 90% of the purchase price of the collateral. Consumer loans also include a small amount of unsecured short-term time notes to individuals.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Residential loans, consumer loans and home equity lines of credit are segregated into homogeneous pools with similar risk characteristics. Trends and current conditions are analyzed and historical loss experience is adjusted</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">accordingly. Quantitative and qualitative adjustment factors for these segments are consistent with those for the commercial and municipal classes. Certain loans in the residential, home equity lines of credit and consumer classes identified as having the potential for further deterioration are analyzed individually to confirm impairment status, and to determine the need for a specific reserve, however there is no formal rating system used for these classes. Consumer loans greater than 120 days past due are generally charged off. Residential loans 90 days or more past due are placed on non-accrual status unless the loans are both well secured and in the process of collection.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">There were no changes to the Company's accounting policies or methodology used to estimate the allowance for loan losses during the year ended December 31, 2012. Allowance for loan losses transactions for the years ended December 31, 2012, 2011 and 2010 were as follows:</div>

<div><br>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 76</div>

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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">For the year ended</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home Equity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">December 31, 2012</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Real Estate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Construction</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Term</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Construction</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Line of Credit</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for loan losses:</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Beginning balance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,659,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">658,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,063,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,159,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">255,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">595,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">584,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Charge offs</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,394,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">928,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,215,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,911,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">389,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">555,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,080,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recoveries</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">246,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">113,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">110,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">54,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">208,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">745,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Provision</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,587,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,383,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,089,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,751,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">91,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">746,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">355,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,166,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,835,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,865,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,359,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,050,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,109,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">654,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">592,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,500,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance specifically</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,523,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">969,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">652,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">395,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,539,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance collectively</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,342,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">390,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,398,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">714,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">654,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">592,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,961,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Related loan balances:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">251,335,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">22,417,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">81,183,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,704,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">379,447,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,459,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">99,082,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,657,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">869,284,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance specifically</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,774,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,354,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,861,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,444,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,311,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">45,744,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance collectively</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">235,561,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,063,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">75,322,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,704,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">360,003,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,459,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">97,771,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,657,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">823,540,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">For the year ended</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home Equity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">December 31, 2011</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Real Estate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Construction</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Term</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Construction</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Line of Credit</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for loan losses:</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Beginning balance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,260,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,012,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,377,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,408,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">44,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">670,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">646,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,880,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,316,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Charge offs</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,619,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">346,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,492,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,421,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">505,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">415,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">381,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,179,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recoveries</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">23,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">60,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">222,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">313,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Provision</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,995,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,118,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,165,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">716,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">339,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">97,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">128,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,550,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,659,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">658,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,063,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,159,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">255,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">595,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">584,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,000,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance specifically</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">808,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">33,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">402,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">478,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">235,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">91,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,058,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance collectively</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,851,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">625,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,661,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">681,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">20,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">504,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">573,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,008,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,942,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Related loan balances:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">255,424,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">32,574,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">86,982,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,221,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">341,286,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,469,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">105,244,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,788,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">864,988,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance specifically</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,141,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,702,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,042,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,821,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,198,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,163,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">53,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,120,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance collectively</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">evaluated for impairment</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">245,283,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">26,872,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">79,940,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,221,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">324,465,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,271,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">104,081,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,735,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">822,868,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 77</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">For the year ended</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="10">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home Equity</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">December 31, 2010</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Real Estate</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Construction</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Term</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Construction</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Line of Credit</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Allowance for loan losses:</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Beginning balance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,986,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">807,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,363,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,198,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">174,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">515,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">717,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,854,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,637,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Charge offs</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,005,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">175,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,125,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">392,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,361,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">951,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,017,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Recoveries</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">69,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">219,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">296,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Provision</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,275,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">380,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">70,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(4,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">598,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,231,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">163,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">661,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,400,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,260,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,012,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,377,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,408,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">670,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">646,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,880,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,316,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance specifically evaluated for impairment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">192,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">152,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">291,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">432,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">122,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">67,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,256,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance collectively evaluated for impairment</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,068,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">860,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,086,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">976,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">548,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">579,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,880,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,060,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Related loan balances:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">245,540,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">41,869,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101,462,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">21,833,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">337,927,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,512,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">105,297,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,156,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">887,596,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance specifically evaluated for impairment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,946,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">937,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,753,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,455,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,567,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">519,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">106,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">25,283,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Ending balance collectively evaluated for impairment</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">239,594,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">40,932,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">99,709,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">21,833,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">325,472,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,945,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">104,778,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,050,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 5%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">862,313,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 78</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Troubled Debt Restructured</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A TDR constitutes a restructuring of debt if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan based upon the following criteria:</div>

<div>
<table style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The borrower demonstrates financial difficulty; common indicators include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender, and</div>
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<div>
<table style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" class="DSPFListTable" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 18pt; VERTICAL-ALIGN: top; align: right">
<div style="TEXT-ALIGN: left; FONT-FAMILY: Symbol, serif; FONT-SIZE: 10pt">&#183;</div>
</td>
<td style="WIDTH: auto; VERTICAL-ALIGN: top">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank has granted a concession; common concession types include maturity date extension, interest rate adjustments to below market pricing, and deferment of payments.</div>
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</table>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank applies the same interest accrual policy to TDRs as it does for all classes of loans. As of December 31, 2012 we had 101 loans with a value of $29,955,000 that have been restructured. This compares to 59 loans with a value of $22,858,000 classified as TDRs as of December 31, 2011. The impairment carried as a specific reserve in the allowance for loan losses is calculated by present valuing the cashflow modification on the loan, or, for collateral-dependent loans, using the fair value of the collateral less costs to sell.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table shows TDRs by class and the specific reserve as of December 31, 2012:</div>

<div><br>
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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Specific Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">11,961,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">823,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,319,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">969,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,074,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">574,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">53</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,945,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">224,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">656,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,955,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,590,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table shows TDRs by class and the specific reserve as of December 31, 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Specific Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,078,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">273,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,506,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,350,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">97,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">43</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,924,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">363,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">59</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,858,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">733,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 79</div>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, 12 of the loans classified as TDRs with a total balance of $2,413,000 were more than 30 days past due. Of these loans, six loans with an outstanding balance of $1,059,000 had been placed on TDR status in the previous 12 months. The following table shows past-due TDRs by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2012:</div>

<div><br>
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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Specific Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">760,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,624,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">67,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">29,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,413,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">67,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2011, 14 of the loans classified as TDRs with a total balance of $2,841,000 were more than 30 days past due. Of these loans, six loans with an outstanding balance of $1,588,000 had been placed on TDR status in the previous 12 months. The following table shows past-due TDRs by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Specific Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,154,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">96,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">47,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,591,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">52,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,841,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">99,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 80</div>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During the year ended December 31, 2012, 52 loans were placed on TDR status with an outstanding balance of $14,657,000. These were considered TDRs because concessions had been granted to borrowers experiencing financial difficulties. Concessions include reductions in interest rates, principal and/or interest forbearance, payment extensions, or combinations thereof. &#160;The following table shows loans placed on TDR status during the year ended December 31, 2012, by class of loan and the associated specific reserve included in the allowance for loan losses as of December 31, 2012:</div>

<div><br>
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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
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<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of Loans</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pre-Modification</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded Investment</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Post-Modification Outstanding</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment</div>
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<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Specific Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,821,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,149,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">180,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,319,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,333,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">969,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,887,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,903,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">543,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,974,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,989,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">77,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">656,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">656,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">52</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,657,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,030,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,769,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">During the year ended December 31, 2011, 31 loans were placed on TDR status with an outstanding balance of $18,325,000. These were considered to be TDRs because concessions had been granted to borrowers experiencing financial difficulties. Concessions include reductions in interest rates, principal and/or interest forbearance, payment extensions, or combinations thereof. The following table shows loans placed on TDR status in 2011 by type of loan and the associated specific reserve included in the allowance for loan losses as of December 31, 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Number of Loans</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Pre-Modification</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Outstanding</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded Investment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Post-Modification Outstanding</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Recorded</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Specific Reserves</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,078,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,078,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">273,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,506,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,506,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,350,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,350,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">97,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,391,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,391,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">258,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Unallocated</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">31</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,325,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,325,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">628,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, Management is aware of 11 loans classified as TDRs that are involved in bankruptcy with an outstanding balance of $1,158,000. As of December 31, 2012, there were 24 loans with an outstanding balance of $3,363,000 that were classified as TDRs and were on non-accrual status, five of which, with an outstanding balance of $521,000, were in the process of foreclosure.</div>

<div><br>
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<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 81</div>

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</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 7. Premises and Equipment</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Premises and equipment are carried at cost and consist of the following:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Land</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,532,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,123,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Land improvements</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">781,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">693,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Buildings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">18,958,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,415,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Equipment</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">11,592,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,201,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">35,863,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,432,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less accumulated depreciation</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,875,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,590,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22,988,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18,842,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 8. Other Real Estate Owned</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following summarizes other real estate owned:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of &#160;December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Real estate acquired in settlement of loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">7,593,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,094,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Changes in the allowance for losses from other real estate owned were as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Balance at beginning of year</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">436,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">132,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">583,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Losses charged to allowance</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(460,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(980,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(803,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Provision charged to operating expenses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">397,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,284,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">352,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Balance at end of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">373,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">436,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">132,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 9. Acquisitions and Intangible Assets</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On October 26, 2012, the Bank completed the purchase of a branch at 63 Union Street in Rockland, Maine, from Camden National Bank that was formerly operated by Bank of America. As part of the transaction, the Bank acquired approximately $32.3 million in deposits as well as a small volume of loans. On the same date, the Bank completed the purchase of a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National Bank, and opened a full-service branch in this building in February of 2013. The acquisition allows the Bank to expand its community banking franchise into eastern Maine and expand its presence in Rockland, Maine. The acquisition-date estimated fair values of assets acquired and liabilities assumed in Rockland and Bangor were as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">25,297,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">224,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Bank premises and equipment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,776,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest receivable and other assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">24,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Core deposit intangible</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">432,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Goodwill</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,121,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">31,858,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest and other liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: middle" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The purchase premium of $2,553,000 was allocated to assets acquired and liabilities assumed based on estimates of fair value at the date of acquisition. The fair value of the deposit accounts assumed was compared to the carrying amounts received and the difference of $432,000 was recorded as core deposit intangible. The core deposit intangible is subject to amortization over the estimated ten-year average life of the acquired core deposit base and will be evaluated for impairment periodically. The amortization expense will be included in other noninterest expense in the consolidated statements of income and comprehensive income and is deductible for tax purposes. As of December 31, 2012, the amortization expense related to the core deposit intangible, absent any future impairment, is expected to be as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2015</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2017</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">43,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Thereafter</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">217,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">432,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The banking facilities were valued at the most recent tax assessed value, which approximates fair value. The loans acquired were recorded at fair value at the time of acquisition. The estimated fair value of the loans acquired is equal to the carrying value. The excess of the purchase price over the fair value of the assets acquired, liabilities assumed, and the amount allocated for core deposit intangible totaled $2,121,000 and was recorded as goodwill. The goodwill is not amortizable but is deductible for tax purposes. Management periodically assesses qualitative factors to determine whether goodwill is impaired. Management is not aware of any such events or circumstances that would cause it to conclude that the goodwill is impaired.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">One-time costs associated with the acquisition that were recognized by the Company and included in the consolidated statements of income and comprehensive income for 2012 were $251,000. The amounts of revenue and expenses related to the Rockland branch since the October 26, 2012 acquisition date are included in the consolidated statements of income of the Company as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">21,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">36,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">55,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loss before taxes</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(38,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Tax benefit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(13,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 88%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net loss</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(25,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Disclosure of the proforma revenue and earnings of the combined entity for the current and prior reporting periods as though the acquisition had occurred at the beginning of the prior annual reporting period is not considered practicable. Retrospective application to January 1, 2012 and January 1, 2011 requires assumptions about management's intent in prior periods that cannot be independently substantiated. It is not possible to objectively distinguish information about significant estimates of amounts that provide evidence of circumstances that existed on the dates at which those amounts would be recognized, measured, or disclosed under retrospective application and would have been available when the financial statements for that prior period were issued. The Company is unable to obtain certain information from the seller regarding transfer of deposits among branches and deposit activity since January 1, 2011. It is impracticable to estimate historical information.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On January 14, 2005, the Company acquired FNB Bankshares ("FNB") of Bar Harbor, Maine, and its subsidiary, The First National Bank of Bar Harbor. The total value of the transaction was $47,955,000, and all of the voting equity interest of FNB was acquired in the transaction. The transaction was accounted for as a purchase and the excess of purchase price over the fair value of net identifiable assets acquired equaled $27,559,000 and was recorded as goodwill, none of which was deductible for tax purposes. The portion of the purchase price related to the core deposit intangible is being amortized over its expected economic life, and goodwill is evaluated annually for possible impairment under the provisions of FASB ASC Topic 350, "Intangibles &#8211; Goodwill and Other". &#160;As of December 31, 2012, in accordance with Topic 350, the Company completed its annual review of goodwill and determined there has been no impairment. The Bank also carries $125,000 in goodwill for a de minimus transaction in 2001.</div>

<div><br>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 83</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 10. Income Taxes</u></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The current and deferred components of income tax expense were as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Federal income tax</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Current</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,239,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,828,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,450,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Deferred</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(108,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">730,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">395,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,131,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,558,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,845,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State franchise tax</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">240,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">233,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">233,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,371,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,791,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,078,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;The actual tax expense differs from the expected tax expense (computed by applying the applicable U.S. Federal corporate income tax rate to income before income taxes) as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Expected tax expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,621,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,654,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,668,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-taxable income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(2,096,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,794,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,527,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">State franchise tax, net of federal tax benefit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">156,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">152,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">151,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Tax credits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(414,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(383,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(345,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">104,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">162,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">131,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,371,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,791,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,078,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deferred tax assets and liabilities are classified as other assets and other liabilities in the consolidated balance sheets. No valuation allowance is deemed necessary for the deferred tax asset. Items that give rise to the deferred income tax assets and liabilities and the tax effect of each at December 31, 2012 and 2011 are as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Allowance for loan losses</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4,375,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,550,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">OREO</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">131,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">153,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued pension and post-retirement</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,412,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,293,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized loss on securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other than temporary impairment of securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">192,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">57,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total deferred tax asset</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,110,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,053,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net deferred loan costs</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(770,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(664,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Depreciation</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(2,326,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,236,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrealized gain on securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(4,275,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(3,985,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage servicing rights</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(303,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(421,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Core deposit intangible</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(203,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(303,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investment in flow through entities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(323,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(264,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Prepaid expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(422,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(528,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total deferred tax liability</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(8,622,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(8,403,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net deferred tax liability</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(2,512,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(2,350,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31, 2012, the Company held investments in two limited partnerships with related New Market Tax Credits. These investments are carried at cost and amortized on the effective yield method. The tax credits from these investments are estimated at $636,000 and $589,000 for each of the years ended December 31, 2012 and 2011, respectively, and are recorded as a reduction of income tax expense. Amortization of the investments in the limited partnerships totaled $476,000 and $390,000 for the years ended December 31, 2012 and 2011, respectively, and is recognized as a component of income tax expense in the consolidated statements of income. The carrying value of these investments was $1,546,000 and $2,022,000 at December 31, 2012 and 2011, respectively, and is recorded in other</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 84</div>

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<div><br>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">assets. The Company's total exposure to these limited partnerships was $5,046,000 and $5,522,000, at December 31, 2012 and 2011, respectively, which is comprised of the Company's equity investment in the limited partnerships and the balance of a participated loan receivable.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">FASB ASC Topic 740 "Income Taxes" defines the criteria that an individual tax position must satisfy for some or all of the benefits of that position to be recognized in a company's financial statements. Topic 740 prescribes a recognition threshold of more-likely-than-not, and a measurement attribute for all tax positions taken or expected to be taken on a tax return, in order for those tax positions to be recognized in the financial statements. The Company is currently open to audit under the statute of limitations by the Internal Revenue Service for the years ended December 31, 2009 through 2011.</div>

<div><br>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 11. Certificates of Deposit</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table represents the breakdown of Certificates of Deposit at December 31, 2012 and 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">December 31, 2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap"></td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">December 31, 2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certificates of deposit &lt; $100,000</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">199,265,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">216,836,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certificates $100,000 to $250,000</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">277,571,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">309,841,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certificates $250,000 and over</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">28,220,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,499,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">505,056,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">549,176,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31, 2012, the scheduled maturities of certificates of deposit are as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Year of<font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><br>
</font> Maturity</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Less than $100,000</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap"></td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$100,000 and Greater</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap"></td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">All Certificates of Deposit</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">84,984,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">219,735,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">304,719,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">46,347,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">27,099,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">73,446,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2015</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">50,925,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,026,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">92,951,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,564,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,671,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">22,235,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2017</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,445,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,260,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,705,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">199,265,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">305,791,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom"></td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">505,056,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap"></td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest on certificates of deposit of $100,000 or more was $3,358,000, $3,606,000, and $3,724,000 in 2012, 2011 and 2010, respectively.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 12. Borrowed Funds</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds consist of advances from the Federal Home Loan Bank of Boston (FHLB), Treasury Tax &amp; Loan Notes, and securities sold under agreements to repurchase with municipal and commercial customers. Pursuant to</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">collateral agreements, FHLB advances are collateralized by all stock in FHLB, qualifying first mortgage loans, U.S. Government and Agency securities not pledged to others, and funds on deposit with FHLB. As of December 31, 2012, the Bank's total FHLB borrowing capacity, based on its holding of FHLB stock, was $248,933,000 of which $67,532,000 was unused and available for additional borrowings. All FHLB advances as of December 31, 2012, had fixed rates of interest until their respective maturity dates. Securities sold under agreements to repurchase include U.S. agencies securities and other securities. Repurchase agreements have maturity dates ranging from one to 365 days. The Bank also has in place $48,000,000 in credit lines with correspondent banks and a credit facility of $115,839,000 with the Federal Reserve Bank of Boston using commercial and home equity loans as collateral which are currently not in use.</div>

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<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 85</div>

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<div style="MARGIN-BOTTOM: 10pt"><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds at December 31, 2012 and 2011 have the following range of interest rates and maturity dates:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Federal Home Loan Bank Advances</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.16%-0.31</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">41,245,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.73%-3.20</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2015</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.03%-2.98</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.36%-2.44</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2017</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.99%-3.69</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2018 and thereafter</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00%-3.25</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,156,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">181,401,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Repurchase agreements</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Municipal and commercial customers</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.20%-1.89</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">101,504,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">282,905,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div><br>
</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2011</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Federal Home Loan Bank Advances</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2012</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.15%-0.32</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">44,985,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2013</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2014</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.73%-3.20</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2015</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.03%-2.98</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">40,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2016</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.31%-1.39</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">30,000,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2017 and thereafter</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.00%-3.69</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">50,163,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">175,148,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Repurchase agreements</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Municipal and commercial customers</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.40%-2.09</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">90,515,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">265,663,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 13. Employee Benefit Plans</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">401(k) Plan</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank has a defined contribution plan available to substantially all employees who have completed three months of service. Employees may contribute up to IRS-determined limits and the Bank may provide a match to employee contributions not to exceed 3.0% of compensation depending on contribution level. Subject to a vote of the Board of Directors, the Bank may also make a profit-sharing contribution to the Plan. Such contribution equaled 2.0% of each eligible employee's compensation in 2012, 2011, and 2010. The expense related to the 401(k) plan was $363,000, $341,000, and $362,000 in 2012, 2011, and 2010, respectively.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Supplemental Retirement Plan</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank also provides unfunded, non-qualified supplemental retirement benefits for certain officers, payable in installments over 20 years upon retirement or death. The agreements consist of individual contracts with differing characteristics that, when taken together, do not constitute a post-retirement plan. The costs for these benefits are recognized over the service periods of the participating officers in accordance with FASB ASC Topic 712, "Compensation &#8211; Nonretirement Postemployment Benefits". The expense of these supplemental plans was $289,000 in 2012, $307,000 in 2011, and $230,000 in 2010. As of December 31, 2012 and 2011, the accrued liability of these plans was $2,080,000 and $1,847,000, respectively.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Post-Retirement Benefit Plans</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank sponsors two post-retirement benefit plans. One plan currently provides a subsidy for health insurance premiums to certain retired employees and a future subsidy for seven active employees who were age 50 and over in 1996. These subsidies are based on years of service and range between $40 and $1,200 per month per person. The other plan provides life insurance coverage to certain retired employees. The Bank also provides health insurance for retired directors. None of these plans are pre-funded.</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 86</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader">
<div><br>
</div>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company utilizes FASB ASC Topic 712, "Compensation &#8211; Nonretirement Postemployment Benefits", to</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">recognize the overfunded or underfunded status of a defined benefit post-retirement plan (other than a multiemployer plan) as an asset or liability in its balance sheet and to recognize changes in the funded status in the year in which the changes occur through comprehensive income (loss) of a business entity.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;The following table sets forth the accumulated postretirement benefit obligation and funded status:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Change in benefit obligations</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Benefit obligation at beginning of year:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,848,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,796,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,962,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Service cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">107,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">112,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">117,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Benefits paid</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(103,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(134,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(136,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Actuarial (gain) loss</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">86,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">62,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(162,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Benefit obligation at end of year:</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,954,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,848,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,796,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Funded status</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Benefit obligation at end of year</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,954,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,848,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,796,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unamortized prior service cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">186,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">49,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized transition obligation</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">5,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">34,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">63,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued benefit cost</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(1,763,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,714,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,684,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted average discount rate as of December 31</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table sets forth the net periodic pension cost:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Components of net periodic benefit cost</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Service cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">16,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">107,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">112,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">117,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortization of unrecognized transition obligation</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">29,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">29,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">29,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortization of prior service credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amortization of accumulated losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">22,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net periodic benefit cost</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">152,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">164,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">183,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Weighted average discount rate for net periodic cost</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">4.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6.5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The measurement date for benefit obligations was as of year-end for all years presented. The estimated amount of benefits to be paid in 2013 is $102,000. For years ending 2014 through 2017 the estimated amount of benefits to be paid is $104,000, $105,000, $118,000 and $120,000 respectively, and the total estimated amount of benefits to be paid for years ended 2018 through 2022 is $641,000. Plan expense for 2013 is estimated to be $112,000.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In accordance with FASB ASC Topic 715, "Compensation &#8211; Retirement Benefits", amounts not yet reflected in net periodic benefit cost and included in accumulated other comprehensive income (loss) are as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Portion to Be Recognized in</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Income in 2013</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unamortized net actuarial loss</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(186,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(100,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized transition obligation</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(34,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(191,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(134,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">19,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deferred tax benefit (expense) at 35%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">68,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">47,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(7,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net unrecognized post-retirement benefits included in accumulated other comprehensive income (loss)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(123,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(87,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 87</div>

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<div><br>
</div>
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<div><br>
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<div><br>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table summarizes activity in the unrealized gain or loss on postretirement benefits included in other comprehensive income for the years ended December 31, 2012 and 2011:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized postretirement benefits &#160;at beginning of period</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(87,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(73,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Change in unrecognized postretirement benefits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(57,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(22,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Related deferred taxes</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">21,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized postretirement benefits at end of period</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(123,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(87,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 14. Preferred and Common Stock</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Preferred Stock</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On January 9, 2009, the Company issued $25 million in Fixed Rate Cumulative Perpetual Preferred Stock, Series A, having a liquidation preference of $1,000 per share, to the U.S. Treasury under the Capital Purchase Program ("the CPP Shares"). The CPP Shares call for cumulative dividends at a rate of 5.0% per year for the first five years, and at a rate of 9.0% per year in following years, payable quarterly in arrears on February 15, May 15, August&#160;15 and November 15 of each year.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">On August 24, 2011, the Company repurchased $12.5 million of the CPP Shares. The repurchase transaction was approved by the Federal Reserve Bank of Boston, the Company's primary regulator, as well as the Bank's primary regulator, the Office of the Comptroller of the Currency, based on continued strong capital ratios after the repayment. Almost all of the repayment was made from retained earnings accumulated since the preferred stock was issued in 2009. After the repurchase, $12.5 million of the CPP shares remains outstanding. The Company may redeem the remaining CPP Shares at any time using any funds available, subject to the prior approval of the Federal Reserve Bank of Boston. The CPP Shares are "perpetual" preferred stock, which means that neither Treasury nor any subsequent holder would have a right to require that the Company redeem any of the shares.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Incident to such issuance, the Company issued to the U.S. Treasury warrants (the "Warrants") to purchase up to 225,904 shares of the Company's common stock at a price per share of $16.60 (subject to adjustment). The CPP Shares and the related Warrants (and any shares of common stock issuable pursuant to the Warrants) are freely transferable by Treasury to third parties and the Company has filed a registration statement with the Securities and Exchange Commission to allow for possible resale of such securities. The CPP Shares qualify as Tier 1 capital on the Company's books for regulatory purposes and rank senior to the Company's common stock and senior or at an equal level in the Company's capital structure to any other shares of preferred stock the Company may issue in the future.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Warrants issued in conjunction with the sale of the CPP Shares have a term of ten years and could be exercised by Treasury or a subsequent holder at any time or from time to time during their term. To the extent they had not previously been exercised, the Warrants would expire after ten years. Treasury will not vote any shares of common stock it receives upon exercise of the Warrants, but that restriction would not apply to third parties to whom Treasury transferred the Warrants. The Warrants (and any common stock issued upon exercise of the Warrants) could be transferred to third parties separately from the CPP Shares. The proceeds from the sale of the CPP Shares were allocated between the CPP Shares and Warrants based on their relative fair values on the issue date. The fair value of the Warrants was determined using the Black-Scholes model which includes the following assumptions: common stock price of $16.60 per share, dividend yield of 4.70%, stock price volatility of 24.43%, and a risk-free interest rate of 2.01%. The discount on the CPP Shares was based on the value that was allocated to the Warrants upon issuance, and is being accreted back to the value of the CPP Shares over a five-year period (the expected life of the shares upon issuance) on a straight-line basis. The Warrants were unchanged as a result of the CPP Shares repurchase transaction and remain outstanding.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As a condition to Treasury's purchase of the CPP Shares, during the time that Treasury holds any equity or debt instrument the Company issued, the Company is required to comply with certain restrictions and other requirements relating to the compensation of the Company's chief executive officer, chief financial officer and three other most highly compensated executive officers. These restrictions include a prohibition on severance payments to those executive officers upon termination of their employment and a $500,000 limit on the tax deductions the Company can take for compensation expense for each of those executive officers in a single year as well as a prohibition on bonus compensation to such officers other than limited amounts of long-term restricted stock.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 88</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Common Stock</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company has reserved 700,000 shares of its common stock to be made available to directors and employees who elect to participate in the stock purchase or savings and investment plans. During 2006, the number of shares set aside for these plans was increased by the Board of Directors from 480,000 to 700,000. As of December 31, 2012, 522,411 shares had been issued pursuant to these plans, leaving 177,589 shares available for future use. The issuance price is based on the market price of the stock at issuance date. Sales of stock to directors and employees amounted to 12,451 shares in 2012, 12,775 shares in 2011, and 12,334 shares in 2010.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In 2001, the Company established a dividend reinvestment plan to allow shareholders to use their cash dividends for the automatic purchase of shares in the Company. When the plan was established, 600,000 shares were registered with the Securities and Exchange Commission, and as of December 31, 2012, 200,580 shares have been issued, leaving 399,420 shares for future use. Participation in this plan is optional and at the individual discretion of each Shareholder. Shares are purchased for the plan from the Company at a price per share equal to the average of the daily bid and asked prices reported on the NASDAQ System for the five trading days immediately preceding, but not including, the dividend payment date. Sales of stock under the Dividend Reinvestment Plan amounted to 14,056 shares in 2012, 14,387 shares in 2011, and 16,520 shares in 2010.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 15. Stock Options and Stock-Based Compensation</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">At the 2010 Annual Meeting, shareholders approved the 2010 Equity Incentive Plan (the "2010 Plan"). This reserves 400,000 shares of common stock for issuance in connection with stock options, restricted stock awards and other equity based awards to attract and retain the best available personnel, provide additional incentive to officers, employees and non-employee Directors and promote the success of our business. Such grants and awards will be structured in a manner that does not encourage the recipients to expose the Company to undue or inappropriate risk. Options issued under the 2010 Plan will qualify for treatment as incentive stock options for purposes of Section 422 of the Internal Revenue Code. Other compensation under the 2010 Plan will qualify as performance-based for purposes of Section 162(m) of the Internal Revenue Code, and will satisfy NASDAQ guidelines relating to equity compensation.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 22.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, 19,727 shares of restricted stock had been granted under the 2010 Plan, as detailed in the following table:</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Year</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Granted</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Vesting Term</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(In Years)</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Remaining Term</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(In Years)</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.0</div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,500</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.1</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.0</div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,500</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.1</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2012</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.0</div>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,027</div>
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<td style="WIDTH: 29.43%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2.2</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2012</div>
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<td style="WIDTH: 25.34%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.0</div>
</td>
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<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,704</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.2</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 25.34%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.0</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 21.25%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,996</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 29.43%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.2</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 21.25%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">19,727</div>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 29.43%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3.4</div>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 22.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The compensation cost related to these restricted stock grants was $302,000 and will be recognized over the vesting terms of each grant. In 2012, $85,000 of expense was recognized for these restricted shares, leaving $207,000 in unrecognized expense as of December 31, 2012. In 2011, $22,000 of expense was recognized for restricted shares, leaving $89,000 in unrecognized expense as of December 31, 2011.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 22.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company established a shareholder-approved stock option plan in 1995 (the "1995 Plan"), under which the Company granted options to employees for 600,000 shares of common stock. Only incentive stock options were granted under the 1995 Plan. The option price of each option grant was determined by the Options Committee of the Board of Directors, and in no instance was less than the fair market value on the date of the grant. An option's maximum term was ten years from the date of grant, with 50% of the options granted vesting two years from the date of grant and the remaining 50% vesting five years from the date of grant. As of January 16, 2005, all options under the 1995 Plan had been granted.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 22.5pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Company applies the fair value recognition provisions of FASB ASC Topic 718, "Compensation &#8211; Stock Compensation", to stock-based employee compensation. As of December 31, 2012, all outstanding options were fully vested and all compensation cost for options had been recognized. During 2012, 9,000 options were exercised. A summary of the status of outstanding stock options as of December 31, 2012 and changes during the year then ended, is presented below.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 89</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Aggregate Intrinsic</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Value</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Outstanding at December 31, 2011</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">51,000</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16.47</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Granted in 2012</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Exercised in 2012</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(9,000</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
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<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
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<td style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9.33</div>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
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<td style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">59,000</div>
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<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Forfeited in 2012</div>
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<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
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<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
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<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 0.5pt; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 0.5pt; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 0.5pt; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Outstanding at December 31, 2012</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exercisable at December 31, 2012</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">18.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2.0</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 16. Earnings Per Share</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table provides detail for basic earnings per share (EPS) and diluted earnings per share for the years ended December 31, 2012, 2011 and 2010:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Income</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Shares</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Per-Share</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Numerator)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Denominator)</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Amount</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">For the year ended December 31, 2012</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income as reported</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,688,000</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="PADDING-BOTTOM: 0.25pt; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less dividends and amortization of premium on preferred stock</div>
</td>
<td style="PADDING-BOTTOM: 0.25pt; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">723,000</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 0.25pt; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 0.25pt; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 0.25pt; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 0.25pt; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 0.25pt; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Basic EPS: Income available to common shareholders</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,965,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,828,925</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.22</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Effect of dilutive securities: restricted stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">17,606</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Diluted EPS: Income available to common shareholders plus assumed conversions</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,965,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,846,531</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.22</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">For the year ended December 31, 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income as reported</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less dividends and amortization of premium on preferred stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,208,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Basic EPS: Income available to common shareholders</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,156,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,788,610</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.14</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Effect of dilutive securities: incentive stock options and restricted stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,619</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Diluted EPS: Income available to common shareholders plus assumed conversions</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,156,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,798,229</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.14</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">For the year ended December 31, 2010</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net income as reported</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Less dividends and amortization of premium on preferred stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,348,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Basic EPS: Income available to common shareholders</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,768,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,760,760</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.10</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Effect of dilutive securities: incentive stock options and restricted stock</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,726</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Diluted EPS: Income available to common shareholders plus assumed conversions</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,768,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,765,486</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1.10</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 90</div>

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<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">All earnings per share calculations have been made using the weighted average number of shares outstanding during the period. The dilutive securities are incentive stock options granted to certain key members of Management and warrants granted to the U.S. Treasury under the Capital Purchase Program. The dilutive number of shares has been calculated using the treasury method, assuming that all granted options and warrants were exercisable at the end of each period. The following table presents the number of options and warrants outstanding as of December 31, 2012, 2011 and 2010 and the amount which are above or below the strike price:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 39.68%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 17.19%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Outstanding</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.03%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;In-the-Money</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 24.1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;Out-of-the-Money</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">As of December 31, 2012</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Incentive stock options</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Warrants issued to U.S. Treasury</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">225,904</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">225,904</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 39.68%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total dilutive securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 17.19%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">267,904</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.03%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 24.1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">267,904</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">As of December 31, 2011</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Incentive stock options</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">51,000</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,000</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Warrants issued to U.S. Treasury</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">225,904</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">225,904</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 39.68%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total dilutive securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 17.19%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">276,904</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.03%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 24.1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">267,904</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">As of December 31, 2010</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div>&#160;</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Incentive stock options</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">55,500</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,500</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">42,000</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.68%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Warrants issued to U.S. Treasury</div>
</td>
<td style="WIDTH: 17.19%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">225,904</div>
</td>
<td style="WIDTH: 19.03%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="WIDTH: 24.1%; VERTICAL-ALIGN: bottom">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">225,904</div>
</td>
</tr>

<tr>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 39.68%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total dilutive securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 17.19%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">281,404</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 19.03%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,500</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 24.1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 0.5pt solid">
<div style="TEXT-ALIGN: right; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">267,904</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 17. Regulatory Capital Requirements</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The ability of the Company to pay cash dividends to its Shareholders depends primarily on receipt of dividends from its subsidiary, the Bank. The subsidiary may pay dividends to its parent out of so much of its net income as the Bank's directors deem appropriate, subject to the limitation that the total of all dividends declared by the Bank in any calendar year may not exceed the total of its net income of that year combined with its retained net income of the preceding two years and subject to minimum regulatory capital requirements. The amount available for dividends in 2013 will be 2013 earnings plus retained earnings of $6,781,000 from 2012 and 2011.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The payment of dividends by the Company is also affected by various regulatory requirements and policies, such as the requirements to maintain adequate capital. In addition, if, in the opinion of the applicable regulatory authority, a bank under its jurisdiction is engaged in or is about to engage in an unsafe or unsound practice (which, depending on the financial condition of the bank, could include the payment of dividends), that authority may require, after notice and hearing, that such bank cease and desist from that practice. The Federal Reserve Bank and the Comptroller of the Currency have each indicated that paying dividends that deplete a bank's capital base to an inadequate level would be an unsafe and unsound banking practice. The Federal Reserve Bank, the Comptroller and the Federal Deposit Insurance Corporation have issued policy statements which provide that bank holding companies and insured banks should generally only pay dividends out of current operating earnings.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In addition to the effect on the payment of dividends, failure to meet minimum capital requirements can also result in mandatory and discretionary actions by regulators that, if undertaken, could have an impact on the Company's operations. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measurements of the Bank's assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank's capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios set forth in the table below of Tier 1 capital and Tier 2 or total capital to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2012, that the Bank meets all capital adequacy requirements to which it is subject.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31, 2012, the most recent notification from the Office of the Comptroller of the Currency classified the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since this notification that Management believes have changed the institution's category.</div>

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<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 91</div>

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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The actual and minimum capital amounts and ratios for the Bank are presented in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">For capital</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">To be well-capitalized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">adequacy</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">under prompt corrective</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Actual</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">purposes</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">action provisions</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">As of December 31, 2012</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 2 capital to</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">124,366,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">63,531,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">79,414,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15.66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">114,419,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">31,765,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">47,648,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14.41</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">114,419,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">55,636,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">69,545,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;average assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.23</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">As of December 31, 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 2 capital to</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">123,599,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">64,320,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">80,400,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15.37</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">113,521,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">32,160,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">48,240,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14.11</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">113,521,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">54,600,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">68,250,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;average assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.33</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The actual and minimum capital amounts and ratios for the Company, on a consolidated basis, are presented in the following table:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">For capital</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">To be well-capitalized</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">adequacy</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">under prompt corrective</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Actual</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">purposes</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">action provisions</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">As of December 31, 2012</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 2 capital to</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">127,557,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">63,579,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16.05</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">117,603,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">31,790,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14.80</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">117,603,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">55,628,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;average assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.46</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">As of December 31, 2011</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 2 capital to</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">125,943,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">64,320,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15.66</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">115,865,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">32,160,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;risk-weighted assets</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14.40</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Tier 1 capital to</div>
</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">115,865,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">55,720,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;average assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8.32</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4.00</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">%</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">n/</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">a</div>
</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 92</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 18. Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to originate loans, commitments for unused lines of credit, and standby letters of credit. The instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of those instruments reflect the extent of involvement the Bank has in particular classes of financial instruments.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Commitments for unused lines are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on Management's credit evaluation of the borrower. The Bank did not incur any losses on its commitments in 2012, 2011 or 2010.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Standby letters of credit are conditional commitments issued by the Bank to guarantee a customer's performance to a third party, with the customer being obligated to repay (with interest) any amounts paid out by the Bank under the letter of credit. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for loan commitments and standby letters of credit is represented by the contractual amount of those instruments.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;At December 31, 2012 and 2011, the Bank had the following off-balance-sheet financial instruments, whose contract amounts represent credit risk:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unused lines, collateralized by residential real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">56,420,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">59,427,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other unused commitments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">45,747,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">39,313,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Standby letters of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,700,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,177,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Commitments to extend credit</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">6,245,000</div>
</td>
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<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,551,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">111,112,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">113,468,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Bank grants residential, commercial and consumer loans to customers principally located in the Mid-Coast and Down East regions of Maine. Collateral on these loans typically consists of residential or commercial real estate, or personal property. Although the loan portfolio is diversified, a substantial portion of borrowers' ability to honor their contracts is dependent on the economic conditions in the area, especially in the real estate sector.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 93</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 19. Fair Value Disclosures</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certain assets and liabilities are recorded at fair value to provide additional insight into the Company's quality of earnings. Some of these assets and liabilities are measured on a recurring basis while others are measured on a nonrecurring basis, with the determination based upon applicable existing accounting pronouncements. For example, securities available for sale are recorded at fair value on a recurring basis. Other assets, such as, mortgage servicing rights, loans held for sale, and impaired loans, are recorded at fair value on a nonrecurring basis using the lower of cost or market methodology to determine impairment of individual assets. The Company groups assets and liabilities which are recorded at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement (with level 1 considered highest and level 3 considered lowest). A brief description of each level follows.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 1</font> &#8211; Valuation is based upon quoted prices for identical instruments in active markets.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 2</font> &#8211; Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 3</font> &#8211; Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates that market participants would use in pricing the asset or liability. Valuation includes use of discounted cash flow models and similar techniques.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The fair value methods and assumptions for the Company's financial instruments are set forth below.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash, Cash Equivalents and Interest-Bearing Deposits in Other Banks</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The carrying values of cash equivalents, due from banks and federal funds sold approximate their relative fair values. As such, the Company classifies these financial instruments as Level 1.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Investment Securities</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The fair values of investment securities are estimated by independent providers. In obtaining such valuation information from third parties, the Company has evaluated their valuation methodologies used to develop the fair values in order to determine whether the valuations are representative of an exit price in the Company's principal markets. The Company's principal markets for its securities portfolios are the secondary institutional markets, with an exit price that is predominantly reflective of bid level pricing in those markets. Fair values are calculated based on the value of one unit without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications, or estimated transaction costs. If these considerations had been incorporated into the fair value estimates, the aggregate fair value could have been changed. The carrying values of restricted equity securities approximate fair values. As such, the Company classifies investment securities as Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans Held for Sale</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale are recorded at the lower of carrying value or market value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as nonrecurring Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Loans</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair values are estimated for portfolios of loans with similar financial characteristics. The fair values of performing loans are calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest risk inherent in the loan. The estimates of maturity are based on the Company's historical experience with repayments for each loan classification, modified, as required, by an estimate of the effect of current economic and lending conditions, and the effects of estimated prepayments. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information. Management has made estimates of fair value using discount rates that it believes to be reasonable. However, because there is no market for many of these financial instruments, Management has no basis to determine whether the fair value presented above would be indicative of the value negotiated in an actual sale. As such, the Company classifies loans as Level 3, except for impaired loans. Fair values of impaired loans are based on estimated cash flows and are discounted using a rate commensurate with the risk associated with the estimated cash flows, or if collateral dependent, discounted to the appraised value of the collateral, less costs to sell. As such, the Company classifies impaired loans as Level 2.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 94</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other Real Estate Owned</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Real estate acquired through foreclosure is recorded at fair value. The fair value of other real estate owned is based on property appraisals and an analysis of similar properties currently available. As such, the Company records other real estate owned as nonrecurring Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Mortgage Servicing Rights</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage servicing rights represent the value associated with servicing residential mortgage loans. Servicing assets and servicing liabilities are reported using the amortization method and compared to fair value for impairment. In evaluating the fair values of mortgage servicing rights, the Company obtains third party valuations based on loan level data including note rate, type and term of the underlying loans. As such, the Company classifies mortgage servicing rights as nonrecurring Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Accrued Interest Receivable</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The fair value estimate of this financial instrument approximates the carrying value as this financial instrument has a short maturity. It is the Company's policy to stop accruing interest on loans for which it is probable that the interest is not collectible. Therefore, this financial instrument has been adjusted for estimated credit loss. As such, the Company classifies accrued interest receivable as Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Deposits</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The fair value of deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. The fair value estimates do not include the benefit that results from the low-cost funding provided by the deposits compared to the cost of borrowing funds in the market. If that value were considered, the fair value of the Company's net assets could increase. As such, the Company classifies deposits as Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Borrowed Funds</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The fair value of borrowed funds is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently available for borrowings of similar remaining maturities. As such, the Company classifies borrowed funds as Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Accrued Interest Payable</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The fair value estimate approximates the carrying amount as this financial instrument has a short maturity. As such, the Company classifies accrued interest payable as Level 2.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Off-Balance-Sheet Instruments</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Off-balance-sheet instruments include loan commitments. Fair values for loan commitments have not been presented as the future revenue derived from such financial instruments is not significant.</div>

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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Limitations</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These values do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on Management's judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial instruments include the deferred tax asset, premises and equipment, and other real estate owned. In addition, tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 95</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets and Liabilities Recorded at Fair Value on a Recurring Basis</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table presents the balances of assets and liabilities that were measured at fair value on a recurring basis as of December 31, 2012 and 2011.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At December 31, 2012</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 1</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 2</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 3</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities available for sale</div>
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<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
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<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">169,093,000</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
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<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
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<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
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<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">169,093,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">120,944,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">120,944,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,577,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,577,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">291,614,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">291,614,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="14">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">At December 31, 2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 1</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 2</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 3</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Securities available for sale</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Mortgage-backed securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">198,232,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">198,232,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;State and political subdivisions</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,726,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,726,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Corporate securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">811,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">811,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other equity securities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,433,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,433,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">286,202,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">286,202,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Assets and Liabilities Recorded at Fair Value on a Non-Recurring Basis</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following table presents assets measured at fair value on a nonrecurring basis as of December 31, 2012 and 2011. Other real estate owned is presented net of an allowance for losses of $373,000 and $436,000, respectively. Impaired loans are presented net of their related specific allowance for loan losses of $3,539,000 and $2,058,000, respectively.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="14">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>At December 31, 2012</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 1</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 2</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 3</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Mortgage servicing rights</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,228,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,228,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,035,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,035,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,593,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,593,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Impaired loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,923,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,923,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total Assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23,779,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">23,779,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="14">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>At December 31, 2011</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 1</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 2</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Level 3</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Mortgage servicing rights</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,581,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,581,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Other real estate owned</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,094,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,094,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Impaired loans</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,165,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,165,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 52%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Total Assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,840,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,840,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

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<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 96</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
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<div id="DSPFPageFooter">
<div><br>
</div>
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</div>

<div style="MARGIN-BOTTOM: 10pt"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Fair Value of Financial Instruments</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">FASB ASC Topic 825, "Financial Instruments," requires disclosures of fair value information about financial instruments, whether or not recognized in the balance sheet, if the fair values can be reasonably determined. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques using observable inputs when available. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. FASB ASC Topic 825 excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The carrying amounts and estimated fair values for financial instruments as of December 31, 2012 were as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Carrying</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Estimated</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt"></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;As of December 31, 2012</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">fair value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Level 1</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Level 2</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Level 3</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial assets</div>
</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: middle" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: middle" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Cash and cash equivalents</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,958,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,958,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,958,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Interest bearing deposits in other banks</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,638,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,638,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,638,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">291,614,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">291,614,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">291,614,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Securities to be held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">143,320,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">150,247,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">150,247,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Restricted equity securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,448,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,448,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,448,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,035,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,035,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,035,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Loans (net of allowance for loan losses)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Commercial</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Real estate</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">245,046,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">244,365,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,865,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">239,500,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">20,960,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">20,902,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,284,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">18,618,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Other</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">78,985,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">79,312,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">472,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">78,840,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Municipal</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,685,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,058,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,058,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Residential</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Term</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">378,258,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">390,223,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,302,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">383,921,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">&#160;&#160;&#160;Construction</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,447,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,430,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,430,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Home equity line of credit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">98,381,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">99,038,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">99,038,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Consumer</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,022,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,392,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,392,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total loans</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">856,784,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">870,720,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,923,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">856,797,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Mortgage servicing rights</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">867,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,228,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,228,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Accrued interest receivable</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,912,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,912,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,912,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Demand deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">90,252,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">91,544,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">91,544,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">NOW deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">147,309,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">141,436,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">141,436,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Money market deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">80,983,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">71,799,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">71,799,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Savings deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">135,250,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">126,142,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">126,142,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Local certificates of deposit</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">218,571,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">223,748,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">223,748,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">National certificates of deposit</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">286,485,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">290,457,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">290,457,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total deposits</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">958,850,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">945,126,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">945,126,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Repurchase agreements</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101,504,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101,504,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">101,504,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Federal Home Loan Bank advances</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">181,401,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">189,321,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">189,321,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Total borrowed funds</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">282,905,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">290,825,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">290,825,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 40%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">Accrued interest payable</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">619,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">619,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">619,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 97</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
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<div><br>
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<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The estimated fair values for financial instruments as of December 31, 2011 were as follows:</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="6">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>December 31, 2011</u></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div>&#160;</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Carrying</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Estimated</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">amount</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">fair value</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial assets</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash and cash equivalents</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,115,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,115,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest-bearing deposits in other banks</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">286,202,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">286,202,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Securities to be held to maturity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">122,661,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">130,677,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Restricted equity securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,443,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,443,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans held for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Loans (net of allowance for loan losses)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">851,988,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">866,442,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mortgage servicing rights</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,201,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,581,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 1.5pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest receivable</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,835,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,835,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Financial liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">941,333,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">921,388,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">265,663,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">273,568,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accrued interest payable</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">734,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">734,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 20. Other Operating Income and Expense</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other operating income and other operating expense include the following items greater than 1% of revenues.</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other operating income</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 1.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">ATM and debit card income</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,994,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,744,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,394,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Other operating expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Advertising and marketing expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">935,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">713,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Collections/foreclosures/ other real estate owned expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">606,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">964,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">825,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">ATM and interchange expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">940,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">848,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">581,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Legal fees and expenses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">715,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">670,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">608,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 21. Legal Contingencies</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Various legal claims also arise from time to time in the normal course of business which, in the opinion of Management, will have no material effect on the Company's consolidated financial statements.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 22. Reclassifications</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Certain items from prior years were reclassified in the financial statements to conform with the current year presentation. These do not have a material impact on the balance sheet or statement of income presentations.</div>

<div><br>
</div>

<div style="MARGIN-TOP: 10pt; MARGIN-BOTTOM: 10pt; CLEAR: both" id="DSPFPageBreakArea">
<div style="TEXT-ALIGN: center" id="DSPFPageBreakArea">&#160;</div>

<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 98</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
</div>

<div id="DSPFPageFooter">
<div><br>
</div>
</div>

<div id="DSPFPageHeader">
<div><br>
</div>
</div>

<div style="MARGIN-BOTTOM: 10pt"><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 23. Condensed Financial Information of Parent</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Condensed financial information for The First Bancorp, Inc. exclusive of its subsidiary is as follows:</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance Sheets</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As of December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Assets</u></div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash and cash equivalents</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,685,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">894,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dividends receivable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,900,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,900,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">429,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">327,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investment in subsidiary</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">125,580,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">122,009,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Premises and equipment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">43,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">26,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Goodwill</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">27,559,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">27,559,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">72,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">57,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">158,268,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">152,772,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Liabilities and shareholders' equity</u></div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dividends payable</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,923,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,912,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">22,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Total liabilities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,945,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,914,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Shareholders' equity</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Preferred stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,402,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,303,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Common stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">98,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">98,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Additional paid-in capital</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">46,314,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">45,829,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Retained earnings</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">97,509,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">92,694,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Accumulated other comprehensive loss</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net unrealized loss on available for sale securities,</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">net of tax benefit of $33,000 in 2011</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(66,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Total accumulated other comprehensive loss</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(66,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;Total shareholders' equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">156,323,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">150,858,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 76%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities and shareholders' equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">158,268,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">152,772,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Statements of Income</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest and dividends on investments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net securities gains</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">153,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">10,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">163,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">10,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Occupancy expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other operating expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">218,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">137,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">150,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Total expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">226,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">141,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">151,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Income (loss) before income taxes</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(216,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(141,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Applicable income taxes</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(76,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">15,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(38,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Income (loss) before Bank earnings</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(140,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(103,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Equity in earnings of Bank</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 10pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Remitted</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,694,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,710,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,850,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; TEXT-INDENT: 10pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unremitted</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">3,134,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,647,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,369,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;Net income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,688,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 99</div>

<hr style="PAGE-BREAK-AFTER: always; MARGIN: 4px 0px; WIDTH: 100%; HEIGHT: 2px; COLOR: #000000; CLEAR: both" id="DSPFPageBreak" noshade="noshade">
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<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Statements of Cash Flows</div>

<div><br>
</div>

<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">For the years ended December 31,</div>
</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2012</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" colspan="2">
<div style="TEXT-ALIGN: center; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2010</div>
</td>
<td style="TEXT-ALIGN: left; PADDING-BOTTOM: 2px; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash flows from operating activities:</div>
</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="2">
<div></div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Net income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">12,688,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,364,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,116,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="12">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Adjustments to reconcile net income to net cash provided by operating activities:</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Depreciation</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">8,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Equity compensation expense</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">85,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">22,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">37,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Gain on sale of investment</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(153,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Increase in other assets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(15,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(42,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(1,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Increase (decrease) in other liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(5,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">44,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">5,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Unremitted earnings of Bank</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(3,134,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(3,647,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(3,369,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;Net cash provided by operating activities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">9,627,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,601,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,788,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash flows from investing activities:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Proceeds from sales/maturities of investments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,773,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Purchases of investments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(273,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Capital expenditures</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(25,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(29,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(10,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.25pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;Net cash provided by (used in) investing activities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(25,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,471,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(10,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash flows from financing activities:</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Payment to repurchase preferred stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(12,500,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Proceeds from sale of common stock</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">499,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">431,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">416,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Dividends paid</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(8,310,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(8,751,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(8,865,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">&#160;&#160;&#160;Net cash used in financing activities</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">(7,811,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(20,820,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">(8,449,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net increase in cash and cash equivalents</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">1,791,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">252,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">329,000</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash and cash equivalents at beginning of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">894,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">642,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">313,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 64%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Cash and cash equivalents at end of year</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt; FONT-WEIGHT: bold">2,685,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">894,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 9%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">642,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 100</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 10pt; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 24. New Accounting Pronouncements</u></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In May 2011, the FASB issued Accounting Standards Update ("ASU") No. 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRS. This ASU clarifies how to measure fair value, but does not require additional fair value measurement and is not intended to affect current valuation practices outside of financial reporting. However, additional information and disclosure will be required for transfers between Level 1 and Level 2, the sensitivity of a fair value measurement categorized as Level 3, and the categorization of items that are not measured at fair value by level of the fair value hierarchy. The guidance is effective during interim and annual reporting periods beginning after December 15, 2011. The adoption of this guidance did not have a material impact on the Company's consolidated financial statements.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In June 2011, the FASB issued ASU No. 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income. This ASU requires that all nonowner changes in shareholders' equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In the two-statement approach, the first statement should present total net income and its components followed consecutively by a second statement that should present total other comprehensive income, the components of other comprehensive income, and the total of comprehensive income. This guidance is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. Other than the manner of presentation, the adoption of this new guidance did not have a material effect on the Company's consolidated financial statements.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In August 2011, the FASB issued ASU No. 2011-08, Intangibles &#8211; Goodwill and Other (Topic 350): Testing Goodwill for Impairment. This ASU permits an entity to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test described in Topic 350. Under the amendments in this ASU, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that the fair value of the reporting unit is less than its carrying amount. The guidance is effective for fiscal years ending after December 15, 2011, with early adoption permitted. The adoption of this new guidance did not have a material effect on the Company's consolidated financial statements.</div>

<div style="TEXT-ALIGN: left; TEXT-INDENT: 18pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In February 2013, the FASB issued ASU No. 2013-02, Reporting of Amounts Reclassified out of Accumulated Comprehensive Income. The ASU adds new disclosure requirements for items reclassified out of accumulated other comprehensive income (AOCI) and is intended to help entities improve the transparency of changes in other comprehensive income and items reclassified out of AOCI in their financial statements. The guidance is effective prospectively for reporting periods beginning after December 15, 2012, with early adoption permitted. The Company believes the adoption of this new guidance will not have a material effect on the Company's consolidated financial statements.</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 101</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Note 25. Quarterly Information</u></div>

<div><br>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The following tables provide unaudited financial information by quarter for each of the past two years:</div>

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<table style="WIDTH: 100%; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" cellspacing="0" cellpadding="0">
<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-STYLE: italic; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Dollars in thousands except per share data</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011Q1</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011Q2</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011Q3</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2011Q4</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2012Q1</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2012Q2</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2012Q3</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2012Q4</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom; BORDER-TOP: #000000 1.5pt solid" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Balance Sheets</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Cash</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,700</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,322</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">16,563</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,115</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,123</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,192</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,904</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,958</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest-bearing deposits in other banks</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">100</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,532</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">-</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">681</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,638</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Investments</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">435,387</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">427,248</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">456,481</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">408,863</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">454,717</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">443,122</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">454,156</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">434,934</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Restricted equity securities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,443</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,823</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,448</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">14,448</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,448</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net loans for sale and loans held</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">881,134</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">872,314</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">853,484</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">851,988</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">858,122</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">867,808</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">855,132</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">857,819</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">85,274</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">88,263</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">84,967</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">82,458</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">82,475</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">85,187</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">83,995</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">91,202</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Total assets</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,431,038</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,417,690</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,427,038</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,372,867</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,423,792</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,424,757</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,423,316</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,414,999</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Deposits</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,050,257</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">998,838</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,004,894</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">941,333</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,015,835</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,005,274</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">944,547</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">958,850</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Borrowed funds</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">217,534</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">249,336</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">255,616</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">265,663</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">240,151</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">248,926</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">304,749</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">282,905</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other liabilities</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">11,703</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,306</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,990</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">15,013</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,213</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,152</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">17,383</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">16,921</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Shareholders' equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">151,544</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">156,210</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150,538</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">150,858</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">151,593</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">153,405</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">156,637</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">156,323</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;Total liabilities</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&amp; equity</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,431,038</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,417,690</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,427,038</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,372,867</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,423,792</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,424,757</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,423,316</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,414,999</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="32">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold">Income and Comprehensive Income Statements</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">14,254</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,997</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,898</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">13,553</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,106</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">13,133</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">12,892</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">12,694</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,749</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,774</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,670</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,516</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,300</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,215</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,222</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,201</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Net interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,505</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,223</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,228</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">10,037</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,806</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,918</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">9,670</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">9,493</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Provision for</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;loan losses</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,100</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,000</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,500</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,950</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,100</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,800</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">1,400</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,535</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net interest income after provision for loan losses</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,405</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,223</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,728</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,087</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,706</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">7,118</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">8,270</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">7,958</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest income</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,277</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,234</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,080</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,159</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,168</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,896</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,492</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,722</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Non-interest expense</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,488</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,250</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,934</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,366</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,178</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,730</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">6,595</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,768</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Income before taxes</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,194</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4,207</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,874</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,880</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,696</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,284</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">4,167</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,912</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Income taxes</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,051</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,014</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">868</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">858</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">783</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">961</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">944</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">683</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;Net income</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,143</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,193</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,006</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,022</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">2,913</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,323</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">3,223</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,229</div>
</td>
<td style="BORDER-BOTTOM: #000000 0.5pt solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Basic earnings per share</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.29</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.29</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.27</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.29</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.28</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.32</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.31</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.31</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Diluted earnings per share</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.29</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.29</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.27</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.29</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.28</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.32</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; COLOR: #000000; FONT-SIZE: 10pt">0.31</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">0.31</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="VERTICAL-ALIGN: bottom" valign="bottom" colspan="32">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other comprehensive income (loss), net of tax</div>
</td>
<td style="TEXT-ALIGN: left; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Net unrealized gain (loss) on securities available for sale</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">668</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,587</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,957</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(754</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(313</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">438</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,962</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,548</div>
</td>
<td style="TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Unrecognized gain (loss) on postretirement benefits</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(28</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(51</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #cceeff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Other &#160;comprehensive income (loss)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">673</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,592</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,961</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(782</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(308</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">443</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,967</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(1,599</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">)</div>
</td>
</tr>

<tr style="BACKGROUND-COLOR: #ffffff">
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 20%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Comprehensive income</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,816</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">6,785</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">8,967</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,240</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2,605</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3,766</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5,190</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">&#160;</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">$</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: right; WIDTH: 7%; VERTICAL-ALIGN: bottom" valign="bottom">
<div style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1,630</div>
</td>
<td style="BORDER-BOTTOM: #000000 2px solid; TEXT-ALIGN: left; WIDTH: 1%; VERTICAL-ALIGN: bottom" valign="bottom" nowrap="nowrap">&#160;</td>
</tr>
</table>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 102</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Report of Independent Registered Public Accounting Firm</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Shareholders and Board of Directors</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The First Bancorp, Inc.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">We have audited the accompanying consolidated balance sheets of The First Bancorp, Inc. and Subsidiary as of December 31, 2012 and 2011, and the related consolidated statements of income and comprehensive income, changes in shareholders' equity, and cash flows for each of the three years in the period ended December 31, 2012. We have also audited The First Bancorp, Inc.'s internal control over financial reporting as of December 31, 2012, based on criteria established in Internal Control &#8211; Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO). The First Bancorp, Inc.'s management is responsible for these financial statements, for maintaining effective internal control over financial reporting, and for its assessment of the effectiveness of internal control over financial reporting, included in the accompanying Management's Annual Report on Internal Control Over Financial Reporting. Our responsibility is to express an opinion on these financial statements and an opinion on the Company's internal control over financial reporting based on our audits.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement and whether effective internal control over financial reporting was maintained in all material respects. Our audits of the financial statements included examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements, assessing the accounting principles used and significant estimates made by Management, and evaluating the overall financial statement presentation. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our audits also included performing such other procedures as we considered necessary in the circumstances. We believe that our audits provide a reasonable basis for our opinions.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">A company's internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with U.S. generally accepted accounting principles. A company's internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with U.S. generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of Management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company's assets that could have a material effect on the financial statements.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial position of The First Bancorp, Inc. and Subsidiary as of December 31, 2012 and 2011, and the consolidated results of their operations and their consolidated cash flows for each of the three years in the period ended December 31, 2012, in conformity with accounting principles generally accepted in the United States of America. Also, in our opinion, The First Bancorp, Inc. maintained, in all material respects, effective internal control over financial reporting as of December 31, 2012, based on criteria established in COSO.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">/s/ Berry Dunn McNeil &amp; Parker, LLC</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Portland, Maine</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 103</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>ITEM 9. Changes in and Disagreements with Accountants</u></font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><br>
</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>on Accounting and Financial Disclosure</u></font></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 9A. Controls and Procedures</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">As required by Rule 13a-15 under the Securities Exchange Act of 1934 (the "Exchange Act"), as of December 31, 2012, the end of the period covered by this report, the Company carried out an evaluation under the supervision and with the participation of the Company's Management, including the Company's Chief Executive Officer and Chief Financial Officer, of the effectiveness of the design and operation of the Company's disclosure controls and procedures. In designing and evaluating the Company's disclosure controls and procedures, the Company and its Management recognize that any controls and procedures, no matter how well designed and operated, can provide only reasonable assurance of achieving the desired control objectives, and the Company's Management necessarily was required to apply its judgment in evaluating and implementing possible controls and procedures. Based upon that evaluation, the Chief Executive Officer and Chief Financial Officer concluded that the Company's disclosure controls and procedures are effective to provide reasonable assurance that information required to be disclosed by the Company in the reports it files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission's rules and forms. Also, based on Management's evaluation, there was no change in the Company's internal control over financial reporting that occurred during the fiscal quarter ended December 31, 2012 that has materially affected, or is reasonably likely to materially affect, the Company's internal control over financial reporting. The Company reviews its disclosure controls and procedures, which may include its internal controls over financial reporting, on an ongoing basis, and may from time to time make changes aimed at enhancing their effectiveness and to ensure that the Company's systems evolve with its business.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The Management of the Company is responsible for the preparation and fair presentation of the financial statements and other financial information contained in this Form 10-K. Management is also responsible for establishing and maintaining adequate internal control over financial reporting and for identifying the framework used to evaluate its effectiveness. Management has designed processes, internal control and a business culture that foster financial integrity and accurate reporting. The Company's comprehensive system of internal control over financial reporting was designed to provide reasonable assurances regarding the reliability of financial reporting and the preparation of the consolidated financial statements of the Company in accordance with generally accepted accounting principles. The Company's accounting policies and internal control over financial reporting, established and maintained by Management, are under the general oversight of the Company's Board of Directors, including the Board of Directors' Audit Committee.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Management has made a comprehensive review, evaluation, and assessment of the Company's internal control over financial reporting as of December 31, 2012. The standard measures adopted by Management in making its evaluation are the measures in Internal Control &#8211; Integrated Framework published by the Committee of Sponsoring Organizations of the Treadway Commission ("the COSO"). Based upon its review and evaluation, Management concluded that, as of December 31, 2012, the Company's internal control over financial reporting was effective and that there were no material weaknesses.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Berry Dunn McNeil &amp; Parker, LLC, an independent registered public accounting firm, which has audited and reported on the consolidated financial statements contained in this Form 10-K, has issued its written attestation report on Management's assessment of the Company's internal control over financial reporting which precedes this report.</div>

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<div style="TEXT-ALIGN: left; MARGIN-LEFT: -9pt"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;/s/ Daniel R Daigneault</font><font style="FONT-SIZE: 5.05pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"> &#160; &#160; &#160; /s/ F. Stephen Ward</font></div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Daniel R. Daigneault, President and Director</font><font style="FONT-SIZE: 5.06pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">F. Stephen Ward, Treasurer and Chief Financial Officer</font></div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Principal Executive Officer)</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Principal Financial Officer, Principal Accounting Officer)</font></div>

<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font></div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 104</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 10. Directors, Executive Officers and Corporate Governance</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Information with respect to directors and executive officers of the Company required by Item 10 shall be included in the Proxy Statement for the Annual Meeting of Stockholders to be held on April 24, 2013 and is incorporated herein by reference.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 11. Executive Compensation</u></div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 105</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>ITEM 15. Exhibits, Financial Statement Schedules</u></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>A. Exhibits</u></div>

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<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 2.1 Agreement and Plan of Merger With FNB Bankshares Dated August 25, 2004, incorporated by reference to Exhibit 2.1 to the Company's Form 8-K dated August 25, 2004, filed under item 1.01 on August 27, 2004.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 3.1 Conformed Copy of the Registrant's Articles of Incorporation (incorporated by reference to Exhibit 3.1 to the Company's Form 8-K filed under item 5.03 on October 7, 2004).</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 3.2 Amendment to the Registrant's Articles of Incorporation (incorporated by reference to Exhibit 3.1 to the Company's Form 8-K filed under item 5.03 on May 1, 2008).</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 3.3 Amendment to the Registrant's Articles of Incorporation (incorporated by reference to the Definitive Proxy Statement for the Company's 2008 Annual Meeting filed on March 14, 2008).</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 3.4 Amendment to the Registrant's Articles of Incorporation authorizing issuance of preferred stock (incorporated by reference to Exhibit 3.1 to Current Report on Form 8-K filed on December 29, 2008).</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 3.5 Conformed Copy of the Company's Bylaws (incorporated by reference to Exhibit 3.1 to the Company's Form 8-K filed under item 5.03 on October 31, 2012).</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.2(a) Specimen Employment Continuity Agreement entered into with Mr. McKim, incorporated by reference to Exhibit 10.2(a) to the Company's Form 8-K filed under item 1.01 on January 14, 2005.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.2(b) Specimen Amendment to Employment Continuity Agreement entered into with Mr. McKim, incorporated by reference to Exhibit 10.2(b) to the Company's Form 8-K filed under item 1.01 on January 14, 2005.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.2(c) Specimen Amendment to Employment Continuity Agreement entered into with Mr. McKim, incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed under item 1.01 on January 31, 2006.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.3(a) Specimen Split Dollar Agreement entered into with Mr. McKim with a death benefit of $250,000. Incorporated by reference to Exhibit 10.3(a) to the Company's Form 8-K filed under item 1.01 on January 14, 2005.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.3(b) Specimen Amendment to Split Dollar Agreement entered into with Mr. McKim, incorporated by reference to Exhibit 10.3(b) to the Company's Form 8-K filed under item 1.01 on January 14, 2005.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.4 Specimen Amendment to Supplemental Executive Retirement Plan entered into with Messrs. Daigneault and Ward changing the normal retirement age to receive the full benefit under the Plan from age 65 to age 63, incorporated by reference to Exhibit 10.1 to the Company's Form 8-K filed under item 1.01 on December 30, 2008.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.5 Purchase and Assumption Agreement between the Bank and Camden National Bank for the purchase of a bank branch, loans and deposits at 63 Union Street in Rockland, Maine, attached as Exhibit 10.5 to the Company's Quarterly Report on Form 10-Q filed on August 9, 2012.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 10.6 Purchase and Sale Agreement between the Bank and Camden National Bank for the purchase of a bank building at 145 Exchange Street in Bangor, Maine, attached as Exhibit 10.6 to the Company's Quarterly Report on Form 10-Q filed on August 9, 2012.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 14.1 Code of Ethics for Senior Financial Officers, adopted by the Board of Directors on September 19, 2003. Incorporated by reference to Exhibit 14.1 to the Company's Annual Report on Form 10-K filed on March 15, 2006.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 14.2 Code of Business Conduct and Ethics, adopted by the Board of Directors on April 15, 2004. Incorporated by reference to Exhibit 14.2 to the Company's Annual Report on Form 10-K filed on March 15, 2006.</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 31.1 Certification of Chief Executive Officer Pursuant to Rule 13A-14(A) of The Securities Exchange Act of 1934</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 31.2 Certification of Chief Financial Officer Pursuant to Rule 13A-14(A) of The Securities Exchange Act of 1934</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 32.1 Certification of Chief Executive Officer Pursuant to 18 U.S.C. Section 1350, As Adopted Pursuant to Section 906 of The Sarbanes-Oxley Act of 2002</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 4pt; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Exhibit 32.2 Certification of Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, As Adopted Pursuant to Section 906 of The Sarbanes-Oxley Act of 2002</div>

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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 106</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>SIGNATURES</u></div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Pursuant to the requirements of section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">THE FIRST BANCORP, INC.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: -9pt; FONT-SIZE: 10pt">&#160;&#160;&#160;/s/ DANIEL R. DAIGNEAULT</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Daniel R. Daigneault, President</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the Registrant and in the capacities and on the dates indicated.</div>

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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">/s/ DANIEL R. DAIGNEAULT</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160; /s/ F. STEPHEN WARD</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Daniel R. Daigneault, President and Director</font><font style="FONT-SIZE: 5.06pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">F. Stephen Ward , Treasurer and Chief Financial Officer</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Principal Executive Officer)</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">(Principal Financial Officer, Principal Accounting Officer)</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Stuart G. Smith, Director and Chairman of the Board</div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Katherine M. Boyd , Director</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Carl S. Poole, Jr., Director</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; &#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">/s/ ROBERT B. GREGORY</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">/s/ MARK N. ROSBOROUGH</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Robert B. Gregory, Director</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Mark N. Rosborough, Director</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160; &#160;&#160; &#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">/s/ TONY C. MCKIM</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">/s/ DAVID B. SOULE, JR.</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Tony C. McKim, Director</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">David B. Soule, Jr. , Director</font></div>
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<div style="TEXT-ALIGN: left"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font><font style="FONT-SIZE: 5.02pt" id="TRGRRTFtoHTMLTab">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; &#160;&#160;&#160;&#160;&#160;&#160;</font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">March 8, 2013</font></div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">/s/ BRUCE A. TINDAL</div>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Bruce A. Tindal, Director</div>
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<div style="TEXT-ALIGN: center; FONT-FAMILY: 'Times New Roman', Times, Serif; FONT-SIZE: 8pt" id="DSPFPageBreakArea">The First Bancorp - 2012 Form 10-K - Page 108</div>
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`
end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>3
<FILENAME>exhibit311ceo.htm
<DESCRIPTION>CEO CERTIFICATION
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: The First Bancorp
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Exhibit 31.1 Certification of Chief Executive Officer</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">I, Daniel R. Daigneault, President and Chief Executive Officer, certify that:</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1. I have reviewed this annual report on Form 10-K of The First Bancorp, Inc. (the "Registrant");</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the Registrant as of, and for, the periods presented in this report;</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4. The Registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal controls over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the Registrant and have:</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the Registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(c) Evaluated the effectiveness of the Registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(d) Disclosed in this report any change in the Registrant's internal control over financial reporting that occurred during the Registrant's fourth quarter of 2012 that has materially affected, or is reasonably likely to materially affect, the Registrant's internal control over financial reporting; and</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5. The Registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the Registrant's auditors and the audit committee of Registrant's board of directors:</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the Registrant's ability to record, process, summarize and report financial information; and</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(b) Any fraud, whether or not material, that involves Management or other employees who have a significant role in the Registrant's internal control over financial reporting.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Date: March 8, 2013</div>

<div><br>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: -9pt; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;/s/Daniel R. Daigneault</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Daniel R. Daigneault</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">President and Chief Executive Officer</div>

<div><br>
</div>

<div id="DSPFPageFooter"></div>
</div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>4
<FILENAME>exhibit312cfo.htm
<DESCRIPTION>CFO CERTIFICATION
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: The First Bancorp
    Document created using Disclosure Solutions PROFILE 1.1.0.0
    Copyright 1995 - 2013 Thomson Reuters Accelus.  All rights reserved.-->
</head>
<body style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" bgcolor="#ffffff" text="#000000">
<div>
<div id="DSPFPageHeader"></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>Exhibit 31.2 Certification of Chief Financial </u></font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>Officer</u></font></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">I, F. Stephen Ward, Treasurer and Chief Financial Officer, certify that:</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">1. I have reviewed this annual report on Form 10-K of The First Bancorp, Inc. (the "Registrant");</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the Registrant as of, and for, the periods presented in this report;</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">4. The Registrant's other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal controls over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the Registrant and have:</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the Registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(c) Evaluated the effectiveness of the Registrant's disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(d) Disclosed in this report any change in the Registrant's internal control over financial reporting that occurred during the Registrant's fourth quarter of 2012 that has materially affected, or is reasonably likely to materially affect, the Registrant's internal control over financial reporting; and</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">5. The Registrant's other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the Registrant's auditors and the audit committee of Registrant's board of directors:</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">&#160;(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the Registrant's ability to record, process, summarize and report financial information; and</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: 18pt; FONT-SIZE: 10pt">(b) Any fraud, whether or not material, that involves Management or other employees who have a significant role in the Registrant's internal control over financial reporting.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Date: March 8, 2013</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: -18pt; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;/s/F. Stephen Ward</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">F. Stephen Ward</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Treasurer and Chief Financial Officer</div>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>5
<FILENAME>exhibit321ceo.htm
<DESCRIPTION>CEO CERTIFICATION
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: The First Bancorp
    Document created using Disclosure Solutions PROFILE 1.1.0.0
    Copyright 1995 - 2013 Thomson Reuters Accelus.  All rights reserved.-->
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Exhibit 32.1 Certification of Periodic Financial Report Pursuant to 18 U.S.C. Section 1350</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The undersigned officer of The First Bancorp, Inc. (the "Company") hereby certifies that the Company's annual report on Form 10-K for the period ended December 31, 2012 to which this certification is being furnished as an exhibit (the "Report"), as filed with the Securities and Exchange Commission on the date hereof, fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. This certification is provided pursuant to 18 U.S.C. Section 1350 and Item 601(b)(32) of Regulation S-K ("Item 601(b)(32)") promulgated under the Securities Act of 1933, as amended (the "Securities Act"), and the Exchange Act. In accordance with clause (ii) of Item 601(b)(32), this certification (A) shall not be deemed "filed" for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, and (B) shall not be deemed to be incorporated by reference into any filing under the Securities Act or the Exchange Act, except to the extent that the Company specifically incorporates it by reference.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Date: March 8, 2013</div>

<div><br>
</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: -9pt; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;/s/Daniel R. Daigneault</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Daniel R. Daigneault</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">President and Chief Executive Officer</div>

<div><br>
</div>

<div id="DSPFPageFooter"></div>
</div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>6
<FILENAME>exhibit322cfo.htm
<DESCRIPTION>CFO CERTIFICATION
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: The First Bancorp
    Document created using Disclosure Solutions PROFILE 1.1.0.0
    Copyright 1995 - 2013 Thomson Reuters Accelus.  All rights reserved.-->
</head>
<body style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" bgcolor="#ffffff" text="#000000">
<div>
<div id="DSPFPageHeader"></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Exhibit 32.2 Certification of Periodic Financial Report Pursuant to 18 U.S.C. Section 1350</u></div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">The undersigned officer of The First Bancorp, Inc. (the "Company") hereby certifies that the Company's annual report on Form 10-K for the period ended December 31, 2012 to which this certification is being furnished as an exhibit (the "Report"), as filed with the Securities and Exchange Commission on the date hereof, fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and that the information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company. This certification is provided pursuant to 18 U.S.C. Section 1350 and Item 601(b)(32) of Regulation S-K ("Item 601(b)(32)") promulgated under the Securities Act of 1933, as amended (the "Securities Act"), and the Exchange Act. In accordance with clause (ii) of Item 601(b)(32), this certification (A) shall not be deemed "filed" for purposes of Section 18 of the Exchange Act, or otherwise subject to the liability of that section, and (B) shall not be deemed to be incorporated by reference into any filing under the Securities Act or the Exchange Act, except to the extent that the Company specifically incorporates it by reference.</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Date: March 8, 2013</div>

<div><br>
</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: -18pt; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;/s/F. Stephen Ward</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">F. Stephen Ward</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Treasurer and Chief Financial Officer</div>

<div><br>
</div>

<div id="DSPFPageFooter"></div>
</div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>7
<FILENAME>exhibit991ceo.htm
<DESCRIPTION>CEO CERTIFICATION
<TEXT>
<html>
<head>
<title></title>
<!--Licensed to: The First Bancorp
    Document created using Disclosure Solutions PROFILE 1.1.0.0
    Copyright 1995 - 2013 Thomson Reuters Accelus.  All rights reserved.-->
</head>
<body style="FONT-FAMILY: 'Times New Roman', Times, serif; FONT-SIZE: 10pt" bgcolor="#ffffff" text="#000000">
<div>
<div id="DSPFPageHeader"></div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><u>Exhibit 99.1 Certification of Chief Executive Officer Pursuant to 31 U.S.C. Section 30.15</u></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">I, Daniel R. Daigneault, certify, based on my knowledge, that:</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(i) The Compensation Committee of The First Bancorp, Inc. has discussed, reviewed, and evaluated with senior risk officers at least every six months during The First Bancorp, Inc.'s 2012 fiscal year (the applicable period), the senior executive officer (SEO) compensation plans and the employee compensation plans and the risks these plans pose to The First Bancorp, Inc.;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(ii) The Compensation Committee of The First Bancorp, Inc. has identified and limited during the applicable period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of The First Bancorp, Inc., and during that same applicable period has identified any features of the employee compensation plans that pose risks to The First Bancorp, Inc. and has limited those features to ensure that The First Bancorp, Inc. is not unnecessarily exposed to risks;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(iii) The Compensation Committee has reviewed, at least every six months during the applicable period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of The First Bancorp, Inc. to enhance the compensation of an employee, and has limited any such features;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(iv) The Compensation Committee of The First Bancorp, Inc. will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(v) The Compensation Committee of The First Bancorp, Inc. will provide a narrative description of how it limited during any part of the most recently completed fiscal year that included a TARP period the features in</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(A) SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of The First Bancorp, Inc.;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(B) Employee compensation plans that unnecessarily expose The First Bancorp, Inc. to risks; and</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(C) Employee compensation plans that could encourage the manipulation of reported earnings of The First Bancorp, Inc. to enhance the compensation of an employee;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(vi) The First Bancorp, Inc. has required that bonus payments, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), of the SEOs and twenty next most highly compensated employees be subject to a recovery or "clawback" provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(vii) The First Bancorp, Inc. has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to an SEO or any of the next five most highly compensated employees during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(viii) The First Bancorp, Inc. has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

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<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(ix) The board of directors of The First Bancorp, Inc. has established an excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, by the later of September 14, 2009, or ninety days after the closing date of the agreement between The First Bancorp, Inc. and Treasury; this policy has been provided to Treasury and its primary regulatory agency; The First Bancorp, Inc. and its employees have complied with this policy during the applicable period; and any expenses that, pursuant to this policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(x) The First Bancorp, Inc. will permit a non-binding Shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures provided under the Federal securities laws related to SEO compensation paid or accrued during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xi) The First Bancorp, Inc. will disclose the amount, nature, and justification for the offering during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xii) The First Bancorp, Inc. will disclose whether The First Bancorp, Inc., the board of directors of The First Bancorp, Inc., or the Compensation Committee of The First Bancorp, Inc. has engaged during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date, a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xiii) The First Bancorp, Inc. has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xiv) The First Bancorp, Inc. has substantially complied with all other requirements related to employee compensation that are provided in the agreement between The First Bancorp, Inc. and Treasury, including any amendments;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xv) The First Bancorp, Inc. has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year and the most recently completed fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xvi) I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both.</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Date: March 8, 2013</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: -9pt; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;/s/Daniel R. Daigneault</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Daniel R. Daigneault</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">President and Chief Executive Officer</div>

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<DOCUMENT>
<TYPE>EX-99.2
<SEQUENCE>8
<FILENAME>exhibit992cfo.htm
<DESCRIPTION>CFO CERTIFICATION
<TEXT>
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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt; FONT-WEIGHT: bold"><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>Exhibit 99.2 Certification of Chief Financial Officer Pursuant to 31 U.S.C. Section </u></font><font style="FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt"><u>30.15</u></font></div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">I, F. Stephen Ward, certify, based on my knowledge, that:</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(i) The Compensation Committee of The First Bancorp, Inc. has discussed, reviewed, and evaluated with senior risk officers at least every six months during The First Bancorp, Inc.'s 2012 fiscal year (the applicable period), the senior executive officer (SEO) compensation plans and the employee compensation plans and the risks these plans pose to The First Bancorp, Inc.;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">&#160;(ii) The Compensation Committee of The First Bancorp, Inc. has identified and limited during the applicable period any features of the SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of The First Bancorp, Inc., and during that same applicable period has identified any features of the employee compensation plans that pose risks to The First Bancorp, Inc. and has limited those features to ensure that The First Bancorp, Inc. is not unnecessarily exposed to risks;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(iii) The Compensation Committee has reviewed, at least every six months during the applicable period, the terms of each employee compensation plan and identified any features of the plan that could encourage the manipulation of reported earnings of The First Bancorp, Inc. to enhance the compensation of an employee, and has limited any such features;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(iv) The Compensation Committee of The First Bancorp, Inc. will certify to the reviews of the SEO compensation plans and employee compensation plans required under (i) and (iii) above;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(v) The Compensation Committee of The First Bancorp, Inc. will provide a narrative description of how it limited during any part of the most recently completed fiscal year that included a TARP period the features in</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(A) SEO compensation plans that could lead SEOs to take unnecessary and excessive risks that could threaten the value of The First Bancorp, Inc.;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(B) Employee compensation plans that unnecessarily expose The First Bancorp, Inc. to risks; and</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(C) Employee compensation plans that could encourage the manipulation of reported earnings of The First Bancorp, Inc. to enhance the compensation of an employee;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(vi) The First Bancorp, Inc. has required that bonus payments, as defined in the regulations and guidance established under section 111 of EESA (bonus payments), of the SEOs and twenty next most highly compensated employees be subject to a recovery or "clawback" provision during any part of the most recently completed fiscal year that was a TARP period if the bonus payments were based on materially inaccurate financial statements or any other materially inaccurate performance metric criteria;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(vii) The First Bancorp, Inc. has prohibited any golden parachute payment, as defined in the regulations and guidance established under section 111 of EESA, to an SEO or any of the next five most highly compensated employees during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(viii) The First Bancorp, Inc. has limited bonus payments to its applicable employees in accordance with section 111 of EESA and the regulations and guidance established thereunder during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

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<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(ix) The board of directors of The First Bancorp, Inc. has established an excessive or luxury expenditures policy, as defined in the regulations and guidance established under section 111 of EESA, by the later of September 14, 2009, or ninety days after the closing date of the agreement between The First Bancorp, Inc. and Treasury; this policy has been provided to Treasury and its primary regulatory agency; The First Bancorp, Inc. and its employees have complied with this policy during the applicable period; and any expenses that, pursuant to this policy, required approval of the board of directors, a committee of the board of directors, an SEO, or an executive officer with a similar level of responsibility were properly approved;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(x) The First Bancorp, Inc. will permit a non-binding Shareholder resolution in compliance with any applicable Federal securities rules and regulations on the disclosures provided under the Federal securities laws related to SEO compensation paid or accrued during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xi) The First Bancorp, Inc. will disclose the amount, nature, and justification for the offering during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date of any perquisites, as defined in the regulations and guidance established under section 111 of EESA, whose total value exceeds $25,000 for any employee who is subject to the bonus payment limitations identified in paragraph (viii);</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xii) The First Bancorp, Inc. will disclose whether The First Bancorp, Inc., the board of directors of The First Bancorp, Inc., or the Compensation Committee of The First Bancorp, Inc. has engaged during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date, a compensation consultant; and the services the compensation consultant or any affiliate of the compensation consultant provided during this period;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xiii) The First Bancorp, Inc. has prohibited the payment of any gross-ups, as defined in the regulations and guidance established under section 111 of EESA, to the SEOs and the next twenty most highly compensated employees during the period beginning on the later of the closing date of the agreement between The First Bancorp, Inc. and Treasury or June 15, 2009 and ending with the last day of The First Bancorp, Inc.'s fiscal year containing that date;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xiv) The First Bancorp, Inc. has substantially complied with all other requirements related to employee compensation that are provided in the agreement between The First Bancorp, Inc. and Treasury, including any amendments;</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xv) The First Bancorp, Inc. has submitted to Treasury a complete and accurate list of the SEOs and the twenty next most highly compensated employees for the current fiscal year and the most recently completed fiscal year, with the non-SEOs ranked in descending order of level of annual compensation, and with the name, title, and employer of each SEO and most highly compensated employee identified; and</div>

<div style="TEXT-ALIGN: left; MARGIN-TOP: 12pt; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-BOTTOM: 12pt; FONT-SIZE: 10pt">(xvi) I understand that a knowing and willful false or fraudulent statement made in connection with this certification may be punished by fine, imprisonment, or both.</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Date: March 8, 2013</div>

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<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; MARGIN-LEFT: -18pt; FONT-SIZE: 10pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;/s/F. Stephen Ward</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">F. Stephen Ward</div>

<div style="TEXT-ALIGN: left; FONT-FAMILY: ''Times New Roman'', Times, serif; FONT-SIZE: 10pt">Treasurer and Chief Financial Officer</div>

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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">346000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">6492000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">505000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
  <!--Charge offs-Home Equity Line Of Credit [Member]-->
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">415000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">381000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20100101to20101231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">175000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20100101to20101231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">1125000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
  <!--Charge offs-Municipal [Member]-->
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20100101to20101231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
  <!--Charge offs-Residential Term [Member]-->
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20100101to20101231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">392000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
  <!--Charge offs-Residential Construction [Member]-->
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20100101to20101231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">2361000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
  <!--Charge offs-Home Equity Line Of Credit [Member]-->
  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20100101to20101231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">8000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20100101to20101231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">951000</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</us-gaap:AllowanceForLoanAndLeaseLossesWriteOffs>
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  <!--Charge offs-Residential Construction [Member]-->
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  <!--Charge offs-Home Equity Line Of Credit [Member]-->
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  <!--Amortization of identified intangibles-->
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  <!--Amortization of mortgage servicing rights-->
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  <!--Gross gains-->
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  <!--Proceeds from sales-->
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  <!--Proceeds from sales-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <!--Basic earnings per common share-->
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  <us-gaap:BusinessAcquisitionPurchasePriceAllocationGoodwillAmount contextRef="c20121231_BusinessAcquisitionAxis_FnbBanksharesMember" unitRef="U001" decimals="0">27559000</us-gaap:BusinessAcquisitionPurchasePriceAllocationGoodwillAmount>
  <!--Business Acquisition, Purchase Price Allocation, Goodwill Amount-Acquisition in 2001 [Member]-->
  <us-gaap:BusinessAcquisitionPurchasePriceAllocationGoodwillAmount contextRef="c20121231_BusinessAcquisitionAxis_AcquisitionIn2001Member" unitRef="U001" decimals="0">125000</us-gaap:BusinessAcquisitionPurchasePriceAllocationGoodwillAmount>
  <!--Bank premises and equipment-Bank Acquisitions From Camden National Bank [Member]-->
  <us-gaap:BusinessAcquisitionPurchasePriceAllocationPropertyPlantAndEquipment contextRef="c20121026_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">3776000</us-gaap:BusinessAcquisitionPurchasePriceAllocationPropertyPlantAndEquipment>
  <!--Business acquisition, pro forma information-->
  <us-gaap:BusinessAcquisitionProFormaInformationTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;One-time costs associated with the acquisition that were recognized by the Company and included in the consolidated statements of income and comprehensive income for 2012 were $251,000. The amounts of revenue and expenses related to the Rockland branch since the October 26, 2012 acquisition date are included in the consolidated statements of income of the Company as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;21,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;36,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;55,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loss before taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(38,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Tax benefit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(13,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:BusinessAcquisitionProFormaInformationTextBlock>
  <!--Cash and Cash Equivalents, at Carrying Value-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20111231" unitRef="U001" decimals="0">14115000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and Cash Equivalents, at Carrying Value-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20101231" unitRef="U001" decimals="0">13838000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and Cash Equivalents, at Carrying Value-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20091231" unitRef="U001" decimals="0">15332000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and Cash Equivalents, at Carrying Value-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20121231" unitRef="U001" decimals="0">14958000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and Cash Equivalents, at Carrying Value-Parent Company [Member]-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">894000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and Cash Equivalents, at Carrying Value-Parent Company [Member]-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">642000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and Cash Equivalents, at Carrying Value-Parent Company [Member]-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20091231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">313000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash and Cash Equivalents, at Carrying Value-Parent Company [Member]-->
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">2685000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20121231" unitRef="U001" decimals="0">14958000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20111231" unitRef="U001" decimals="0">14115000</us-gaap:CashAndDueFromBanks>
  <!--Cash-Parent Company [Member]-->
  <us-gaap:CashAndDueFromBanks contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">2685000</us-gaap:CashAndDueFromBanks>
  <!--Cash-Parent Company [Member]-->
  <us-gaap:CashAndDueFromBanks contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">894000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20110331" unitRef="U001" decimals="-3">13700000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20110630" unitRef="U001" decimals="-3">14322000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20110930" unitRef="U001" decimals="-3">16563000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20120331" unitRef="U001" decimals="-3">12123000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20120630" unitRef="U001" decimals="-3">14192000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <us-gaap:CashAndDueFromBanks contextRef="c20120930" unitRef="U001" decimals="-3">14904000</us-gaap:CashAndDueFromBanks>
  <!--Cash-->
  <!--Interest paid-->
  <us-gaap:InterestPaid contextRef="c20120101to20121231" unitRef="U001" decimals="0">13052000</us-gaap:InterestPaid>
  <!--Interest paid-->
  <us-gaap:InterestPaid contextRef="c20110101to20111231" unitRef="U001" decimals="0">14901000</us-gaap:InterestPaid>
  <!--Interest paid-->
  <us-gaap:InterestPaid contextRef="c20100101to20101231" unitRef="U001" decimals="0">16824000</us-gaap:InterestPaid>
  <!--Net increase in short-term borrowings-->
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="c20120101to20121231" unitRef="U001" decimals="0">17242000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <!--Net increase in short-term borrowings-->
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="c20110101to20111231" unitRef="U001" decimals="0">8340000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <!--Net increase in short-term borrowings-->
  <us-gaap:ProceedsFromRepaymentsOfShortTermDebt contextRef="c20100101to20101231" unitRef="U001" decimals="0">27552000</us-gaap:ProceedsFromRepaymentsOfShortTermDebt>
  <!--Commitments and Contingencies Disclosure [Text Block]-->
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 18. Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to originate loans, commitments for unused lines of credit, and standby letters of credit. The instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of those instruments reflect the extent of involvement the Bank has in particular classes of financial instruments.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Commitments for unused lines are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on Management's credit evaluation of the borrower. The Bank did not incur any losses on its commitments in 2012, 2011 or 2010.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Standby letters of credit are conditional commitments issued by the Bank to guarantee a customer's performance to a third party, with the customer being obligated to repay (with interest) any amounts paid out by the Bank under the letter of credit. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for loan commitments and standby letters of credit is represented by the contractual amount of those instruments.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;At December 31, 2012 and 2011, the Bank had the following off-balance-sheet financial instruments, whose contract amounts represent credit risk:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unused lines, collateralized by residential real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;56,420,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;59,427,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other unused commitments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;45,747,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;39,313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Standby letters of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2,700,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,177,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Commitments to extend credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;6,245,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,551,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;111,112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;113,468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank grants residential, commercial and consumer loans to customers principally located in the Mid-Coast and Down East regions of Maine. Collateral on these loans typically consists of residential or commercial real estate, or personal property. Although the loan portfolio is diversified, a substantial portion of borrowers' ability to honor their contracts is dependent on the economic conditions in the area, especially in the real estate sector.&lt;/div&gt;&lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
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  <!--Number of shares authorized-->
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  <us-gaap:CommonStockSharesOutstanding contextRef="c20121231" unitRef="U002" decimals="0">9859914</us-gaap:CommonStockSharesOutstanding>
  <!--Number of shares issued and outstanding-->
  <us-gaap:CommonStockSharesOutstanding contextRef="c20111231" unitRef="U002" decimals="0">9812180</us-gaap:CommonStockSharesOutstanding>
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  <!--Common Stock, Value, Issued-->
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  <!--Common Stock, Value, Issued-Parent Company [Member]-->
  <us-gaap:CommonStockValue contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">98000</us-gaap:CommonStockValue>
  <!--Common Stock, Value, Issued-Parent Company [Member]-->
  <us-gaap:CommonStockValue contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">98000</us-gaap:CommonStockValue>
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  <us-gaap:CompensatingBalanceAmount contextRef="c20121231" unitRef="U001" decimals="0">500000</us-gaap:CompensatingBalanceAmount>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Preferred Stock [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20100101to20101231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">0</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Common stock and additional paid-in capital [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20100101to20101231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">0</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Retained earnings [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20100101to20101231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">12116000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20100101to20101231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">-1794000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20100101to20101231" unitRef="U001" decimals="0">10322000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Preferred Stock [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20110101to20111231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">0</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Common stock and additional paid-in capital [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20110101to20111231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">0</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Retained earnings [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20110101to20111231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">12364000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20110101to20111231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">9444000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20110101to20111231" unitRef="U001" decimals="0">21808000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Preferred Stock [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20120101to20121231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">0</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Common stock and additional paid-in capital [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20120101to20121231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">0</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Retained earnings [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20120101to20121231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">12688000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20120101to20121231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">503000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Comprehensive Income (Loss), Net of Tax, Attributable to Parent-->
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="c20120101to20121231" unitRef="U001" decimals="0">13191000</us-gaap:ComprehensiveIncomeNetOfTax>
  <!--Condensed Financial Information of Parent Company Only Disclosure [Text Block]-->
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 23. Condensed Financial Information of Parent&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Condensed financial information for The First Bancorp, Inc. exclusive of its subsidiary is as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Balance Sheets&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Assets&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,685,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;894,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Dividends receivable&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,900,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,900,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;429,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;327,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investment in subsidiary&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;125,580,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;122,009,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Premises and equipment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Goodwill&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;27,559,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;27,559,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;72,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;158,268,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;152,772,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Liabilities and shareholders' equity&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Dividends payable&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,923,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,912,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,945,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,914,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Common stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;98,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;98,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Additional paid-in capital&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;46,314,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;45,829,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Retained earnings&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;97,509,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;92,694,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accumulated other comprehensive loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net unrealized loss on available for sale securities,&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;net of tax benefit of $33,000 in 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(66,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Total accumulated other comprehensive loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(66,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;156,323,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,858,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total liabilities and shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;158,268,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;152,772,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Statements of Income&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest and dividends on investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net securities gains&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Occupancy expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other operating expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;218,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;137,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;226,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;151,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(216,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Applicable income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(76,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(38,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income (loss) before Bank earnings&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(140,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(103,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Equity in earnings of Bank&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; text-indent: 10pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Remitted&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;9,694,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,710,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,850,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; text-indent: 10pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unremitted&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;3,134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,647,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,364,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,116,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Statements of Cash Flows&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash flows from operating activities:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Net income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,364,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,116,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Adjustments to reconcile net income to net cash provided by operating activities:&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Depreciation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Equity compensation expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;85,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Gain on sale of investment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Increase in other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(42,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Increase (decrease) in other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Unremitted earnings of Bank&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(3,134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(3,647,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(3,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;Net cash provided by operating activities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;9,627,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,601,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash flows from investing activities:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Proceeds from sales/maturities of investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,773,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Purchases of investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Capital expenditures&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;Net cash provided by (used in) investing activities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,471,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash flows from financing activities:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Payment to repurchase preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Proceeds from sale of common stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;499,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;431,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;416,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Dividends paid&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(8,310,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(8,751,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(8,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;Net cash used in financing activities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(7,811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(20,820,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(8,449,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net increase in cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,791,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;252,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;329,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash and cash equivalents at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;894,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;642,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash and cash equivalents at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,685,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;894,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;642,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <!--Current-->
  <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c20120101to20121231" unitRef="U001" decimals="0">3239000</us-gaap:CurrentFederalTaxExpenseBenefit>
  <!--Current-->
  <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c20110101to20111231" unitRef="U001" decimals="0">2828000</us-gaap:CurrentFederalTaxExpenseBenefit>
  <!--Current-->
  <us-gaap:CurrentFederalTaxExpenseBenefit contextRef="c20100101to20101231" unitRef="U001" decimals="0">3450000</us-gaap:CurrentFederalTaxExpenseBenefit>
  <!--Debt Disclosure [Text Block]-->
  <us-gaap:DebtDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 12. Borrowed Funds&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Borrowed funds consist of advances from the Federal Home Loan Bank of Boston (FHLB), Treasury Tax &amp;amp; Loan Notes, and securities sold under agreements to repurchase with municipal and commercial customers. Pursuant to&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;collateral agreements, FHLB advances are collateralized by all stock in FHLB, qualifying first mortgage loans, U.S. Government and Agency securities not pledged to others, and funds on deposit with FHLB. As of December 31, 2012, the Bank's total FHLB borrowing capacity, based on its holding of FHLB stock, was $248,933,000 of which $67,532,000 was unused and available for additional borrowings. All FHLB advances as of December 31, 2012, had fixed rates of interest until their respective maturity dates. Securities sold under agreements to repurchase include U.S. agencies securities and other securities. Repurchase agreements have maturity dates ranging from one to 365 days. The Bank also has in place $48,000,000 in credit lines with correspondent banks and a credit facility of $115,839,000 with the Federal Reserve Bank of Boston using commercial and home equity loans as collateral which are currently not in use.&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Borrowed funds at December 31, 2012 and 2011 have the following range of interest rates and maturity dates:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Federal Home Loan Bank Advances&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.16%-0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;41,245,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.73%-3.20&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.03%-2.98&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;40,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.36%-2.44&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.99%-3.69&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2018 and thereafter&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.00%-3.25&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;181,401,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Repurchase agreements&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Municipal and commercial customers&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.20%-1.89&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;282,905,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Federal Home Loan Bank Advances&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.15%-0.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;44,985,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.73%-3.20&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.03%-2.98&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;40,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.31%-1.39&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017 and thereafter&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.00%-3.69&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;50,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;175,148,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Repurchase agreements&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Municipal and commercial customers&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.40%-2.09&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;90,515,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;265,663,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
  <!--Deferred-->
  <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c20120101to20121231" unitRef="U001" decimals="0">-108000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
  <!--Deferred-->
  <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c20110101to20111231" unitRef="U001" decimals="0">730000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
  <!--Deferred-->
  <us-gaap:DeferredFederalIncomeTaxExpenseBenefit contextRef="c20100101to20101231" unitRef="U001" decimals="0">395000</us-gaap:DeferredFederalIncomeTaxExpenseBenefit>
  <!--Change in deferred taxes-->
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c20120101to20121231" unitRef="U001" decimals="0">-108000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <!--Change in deferred taxes-->
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c20110101to20111231" unitRef="U001" decimals="0">730000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <!--Change in deferred taxes-->
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="c20100101to20101231" unitRef="U001" decimals="0">395000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <!--Deferred Tax Assets (Liabilities), Net-->
  <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c20121231" unitRef="U001" decimals="0">-2512000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
  <!--Deferred Tax Assets (Liabilities), Net-->
  <us-gaap:DeferredTaxAssetsLiabilitiesNet contextRef="c20111231" unitRef="U001" decimals="0">-2350000</us-gaap:DeferredTaxAssetsLiabilitiesNet>
  <!--Deferred Tax Assets, Net-->
  <us-gaap:DeferredTaxAssetsNet contextRef="c20121231" unitRef="U001" decimals="0">6110000</us-gaap:DeferredTaxAssetsNet>
  <!--Deferred Tax Assets, Net-->
  <us-gaap:DeferredTaxAssetsNet contextRef="c20111231" unitRef="U001" decimals="0">6053000</us-gaap:DeferredTaxAssetsNet>
  <!--Deferred Tax Assets, Other-->
  <us-gaap:DeferredTaxAssetsOther contextRef="c20121231" unitRef="U001" decimals="0">192000</us-gaap:DeferredTaxAssetsOther>
  <!--Deferred Tax Assets, Other-->
  <us-gaap:DeferredTaxAssetsOther contextRef="c20111231" unitRef="U001" decimals="0">57000</us-gaap:DeferredTaxAssetsOther>
  <!--Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses-->
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="c20121231" unitRef="U001" decimals="0">4375000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
  <!--Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses-->
  <us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses contextRef="c20111231" unitRef="U001" decimals="0">4550000</us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses>
  <!--Net deferred loan costs-->
  <us-gaap:DeferredTaxLiabilitiesFinancingArrangements contextRef="c20121231" unitRef="U001" decimals="0">-770000</us-gaap:DeferredTaxLiabilitiesFinancingArrangements>
  <!--Net deferred loan costs-->
  <us-gaap:DeferredTaxLiabilitiesFinancingArrangements contextRef="c20111231" unitRef="U001" decimals="0">-664000</us-gaap:DeferredTaxLiabilitiesFinancingArrangements>
  <!--Core deposit intangible-->
  <us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets contextRef="c20121231" unitRef="U001" decimals="0">-203000</us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets>
  <!--Core deposit intangible-->
  <us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets contextRef="c20111231" unitRef="U001" decimals="0">-303000</us-gaap:DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets>
  <!--Deferred Tax Liabilities-->
  <us-gaap:DeferredTaxLiabilities contextRef="c20121231" unitRef="U001" decimals="0">8622000</us-gaap:DeferredTaxLiabilities>
  <!--Deferred Tax Liabilities-->
  <us-gaap:DeferredTaxLiabilities contextRef="c20111231" unitRef="U001" decimals="0">8403000</us-gaap:DeferredTaxLiabilities>
  <!--Deferred Tax Liabilities, Mortgage Servicing Rights-->
  <us-gaap:DeferredTaxLiabilitiesMortgageServicingRights contextRef="c20121231" unitRef="U001" decimals="0">-303000</us-gaap:DeferredTaxLiabilitiesMortgageServicingRights>
  <!--Deferred Tax Liabilities, Mortgage Servicing Rights-->
  <us-gaap:DeferredTaxLiabilitiesMortgageServicingRights contextRef="c20111231" unitRef="U001" decimals="0">-421000</us-gaap:DeferredTaxLiabilitiesMortgageServicingRights>
  <!--Deferred Tax Liabilities, Other-->
  <us-gaap:DeferredTaxLiabilitiesOther contextRef="c20121231" unitRef="U001" decimals="0">0</us-gaap:DeferredTaxLiabilitiesOther>
  <!--Deferred Tax Liabilities, Other-->
  <us-gaap:DeferredTaxLiabilitiesOther contextRef="c20111231" unitRef="U001" decimals="0">-2000</us-gaap:DeferredTaxLiabilitiesOther>
  <!--Defined benefit plans, general information-->
  <us-gaap:DefinedBenefitPlansGeneralInformation contextRef="c20120101to20121231">The Bank also provides unfunded, non-qualified supplemental retirement benefits for certain officers, payable in installments over 20 years upon retirement or death. The agreements consist of individual contracts with differing characteristics that, when taken together, do not constitute a post-retirement plan.</us-gaap:DefinedBenefitPlansGeneralInformation>
  <!--Expense related to 401(k) plan-->
  <us-gaap:DefinedContributionPlanCostRecognized contextRef="c20120101to20121231" unitRef="U001" decimals="0">363000</us-gaap:DefinedContributionPlanCostRecognized>
  <!--Expense related to 401(k) plan-->
  <us-gaap:DefinedContributionPlanCostRecognized contextRef="c20110101to20111231" unitRef="U001" decimals="0">341000</us-gaap:DefinedContributionPlanCostRecognized>
  <!--Expense related to 401(k) plan-->
  <us-gaap:DefinedContributionPlanCostRecognized contextRef="c20100101to20101231" unitRef="U001" decimals="0">362000</us-gaap:DefinedContributionPlanCostRecognized>
  <!--Deposit Liabilities Disclosures [Text Block]-->
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 11. Certificates of Deposit&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table represents the breakdown of Certificates of Deposit at December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;December 31, 2012&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;December 31, 2011&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certificates of deposit &amp;lt; $100,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;199,265,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;216,836,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certificates $100,000 to $250,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;277,571,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;309,841,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certificates $250,000 and over&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;28,220,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,499,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;505,056,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;549,176,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31, 2012, the scheduled maturities of certificates of deposit are as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Year of&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;br /&gt;&lt;/font&gt;Maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Less than $100,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$100,000 and Greater&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Certificates of Deposit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;84,984,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;219,735,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;304,719,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;46,347,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div class="trgrxbrlF08080"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,099,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;73,446,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;50,925,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,026,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;92,951,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,564,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,671,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;22,235,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,445,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,260,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,705,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;199,265,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;305,791,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;505,056,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest on certificates of deposit of $100,000 or more was $3,358,000, $3,606,000, and $3,724,000 in 2012, 2011 and 2010, respectively.&lt;/div&gt;&lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20121231" unitRef="U001" decimals="0">958850000</us-gaap:Deposits>
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20111231" unitRef="U001" decimals="0">941333000</us-gaap:Deposits>
  <!--Total deposits-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:Deposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">958850000</us-gaap:Deposits>
  <!--Total deposits-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:Deposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">945126000</us-gaap:Deposits>
  <!--Total deposits-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:Deposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:Deposits>
  <!--Total deposits-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:Deposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">945126000</us-gaap:Deposits>
  <!--Total deposits-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:Deposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:Deposits>
  <!--Total deposits-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:Deposits contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">941333000</us-gaap:Deposits>
  <!--Total deposits-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:Deposits contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">921388000</us-gaap:Deposits>
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20110331" unitRef="U001" decimals="-3">1050257000</us-gaap:Deposits>
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20110630" unitRef="U001" decimals="-3">998838000</us-gaap:Deposits>
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20110930" unitRef="U001" decimals="-3">1004894000</us-gaap:Deposits>
  <!--Total deposits-->
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20120331" unitRef="U001" decimals="-3">1015835000</us-gaap:Deposits>
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20120630" unitRef="U001" decimals="-3">1005274000</us-gaap:Deposits>
  <!--Total deposits-->
  <us-gaap:Deposits contextRef="c20120930" unitRef="U001" decimals="-3">944547000</us-gaap:Deposits>
  <!--Total deposits-->
  <!--Time Deposits, Less than $100,000-->
  <us-gaap:TimeDepositsLessThan100000 contextRef="c20121231" unitRef="U001" decimals="0">199265000</us-gaap:TimeDepositsLessThan100000>
  <!--Time Deposits, Less than $100,000-->
  <us-gaap:TimeDepositsLessThan100000 contextRef="c20111231" unitRef="U001" decimals="0">216836000</us-gaap:TimeDepositsLessThan100000>
  <!--Demand deposits-->
  <us-gaap:DemandDepositAccounts contextRef="c20121231" unitRef="U001" decimals="0">90252000</us-gaap:DemandDepositAccounts>
  <!--Demand deposits-->
  <us-gaap:DemandDepositAccounts contextRef="c20111231" unitRef="U001" decimals="0">75750000</us-gaap:DemandDepositAccounts>
  <!--Demand deposits-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:DemandDepositAccounts contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">90252000</us-gaap:DemandDepositAccounts>
  <!--Demand deposits-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:DemandDepositAccounts contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">91544000</us-gaap:DemandDepositAccounts>
  <!--Demand deposits-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:DemandDepositAccounts contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:DemandDepositAccounts>
  <!--Demand deposits-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:DemandDepositAccounts contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">91544000</us-gaap:DemandDepositAccounts>
  <!--Demand deposits-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:DemandDepositAccounts contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:DemandDepositAccounts>
  <!--Money market deposits-->
  <us-gaap:DepositsMoneyMarketDeposits contextRef="c20121231" unitRef="U001" decimals="0">80983000</us-gaap:DepositsMoneyMarketDeposits>
  <!--Money market deposits-->
  <us-gaap:DepositsMoneyMarketDeposits contextRef="c20111231" unitRef="U001" decimals="0">79015000</us-gaap:DepositsMoneyMarketDeposits>
  <!--Money market deposits-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:DepositsMoneyMarketDeposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">80983000</us-gaap:DepositsMoneyMarketDeposits>
  <!--Money market deposits-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:DepositsMoneyMarketDeposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">71799000</us-gaap:DepositsMoneyMarketDeposits>
  <!--Money market deposits-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:DepositsMoneyMarketDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:DepositsMoneyMarketDeposits>
  <!--Money market deposits-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:DepositsMoneyMarketDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">71799000</us-gaap:DepositsMoneyMarketDeposits>
  <!--Money market deposits-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:DepositsMoneyMarketDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:DepositsMoneyMarketDeposits>
  <!--NOW deposits-->
  <us-gaap:DepositsNegotiableOrderOfWithdrawalNOW contextRef="c20121231" unitRef="U001" decimals="0">147309000</us-gaap:DepositsNegotiableOrderOfWithdrawalNOW>
  <!--NOW deposits-->
  <us-gaap:DepositsNegotiableOrderOfWithdrawalNOW contextRef="c20111231" unitRef="U001" decimals="0">122775000</us-gaap:DepositsNegotiableOrderOfWithdrawalNOW>
  <!--NOW deposits-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:DepositsNegotiableOrderOfWithdrawalNOW contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">147309000</us-gaap:DepositsNegotiableOrderOfWithdrawalNOW>
  <!--NOW deposits-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:DepositsNegotiableOrderOfWithdrawalNOW contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">141436000</us-gaap:DepositsNegotiableOrderOfWithdrawalNOW>
  <!--NOW deposits-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:DepositsNegotiableOrderOfWithdrawalNOW contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:DepositsNegotiableOrderOfWithdrawalNOW>
  <!--NOW deposits-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:DepositsNegotiableOrderOfWithdrawalNOW contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">141436000</us-gaap:DepositsNegotiableOrderOfWithdrawalNOW>
  <!--NOW deposits-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:DepositsNegotiableOrderOfWithdrawalNOW contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:DepositsNegotiableOrderOfWithdrawalNOW>
  <!--Savings deposits-->
  <us-gaap:DepositsSavingsDeposits contextRef="c20121231" unitRef="U001" decimals="0">135250000</us-gaap:DepositsSavingsDeposits>
  <!--Savings deposits-->
  <us-gaap:DepositsSavingsDeposits contextRef="c20111231" unitRef="U001" decimals="0">114617000</us-gaap:DepositsSavingsDeposits>
  <!--Savings deposits-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:DepositsSavingsDeposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">135250000</us-gaap:DepositsSavingsDeposits>
  <!--Savings deposits-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:DepositsSavingsDeposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">126142000</us-gaap:DepositsSavingsDeposits>
  <!--Savings deposits-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:DepositsSavingsDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:DepositsSavingsDeposits>
  <!--Savings deposits-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:DepositsSavingsDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">126142000</us-gaap:DepositsSavingsDeposits>
  <!--Savings deposits-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:DepositsSavingsDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:DepositsSavingsDeposits>
  <!--Amortization of investments in limited partnerships-->
  <us-gaap:OtherDepreciationAndAmortization contextRef="c20120101to20121231" unitRef="U001" decimals="0">476000</us-gaap:OtherDepreciationAndAmortization>
  <!--Amortization of investments in limited partnerships-->
  <us-gaap:OtherDepreciationAndAmortization contextRef="c20110101to20111231" unitRef="U001" decimals="0">390000</us-gaap:OtherDepreciationAndAmortization>
  <!--Amortization of investments in limited partnerships-->
  <us-gaap:OtherDepreciationAndAmortization contextRef="c20100101to20101231" unitRef="U001" decimals="0">300000</us-gaap:OtherDepreciationAndAmortization>
  <!--Cash and Cash Equivalents-->
  <us-gaap:CashAndCashEquivalentsDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 2. Cash and Cash Equivalents&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the purposes of reporting consolidated cash flows, cash and cash equivalents include cash on hand, amounts due from banks and federal funds sold. At December 31, 2012 the Company had a contractual clearing balance of $500,000 and a reserve balance requirement of $882,000 at the Federal Reserve Bank, which are satisfied by both cash on hand at branches and balances held at the Federal Reserve Bank of Boston. The Company maintains a portion of its cash in bank deposit accounts which, at times, may exceed federally insured limits. The Company has not experienced any losses in such accounts. The Company believes it is not exposed to any significant risk with respect to these accounts.&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:CashAndCashEquivalentsDisclosureTextBlock>
  <!--Description of defined contribution pension plan-->
  <us-gaap:DescriptionOfDefinedContributionPensionAndOtherPostretirementPlans contextRef="c20120101to20121231">The Bank has a defined contribution plan available to substantially all employees who have completed three months of service. Employees may contribute up to IRS-determined limits and the Bank may provide a match to employee contributions not to exceed 3.0% of compensation depending on contribution level. Subject to a vote of the Board of Directors, the Bank may also make a profit-sharing contribution to the Plan.</us-gaap:DescriptionOfDefinedContributionPensionAndOtherPostretirementPlans>
  <!--Regulatory Capital Requirements under Banking Regulations [Text Block]-->
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 17. Regulatory Capital Requirements&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The ability of the Company to pay cash dividends to its Shareholders depends primarily on receipt of dividends from its subsidiary, the Bank. The subsidiary may pay dividends to its parent out of so much of its net income as the Bank's directors deem appropriate, subject to the limitation that the total of all dividends declared by the Bank in any calendar year may not exceed the total of its net income of that year combined with its retained net income of the preceding two years and subject to minimum regulatory capital requirements. The amount available for dividends in 2013 will be 2013 earnings plus retained earnings of $6,781,000 from 2012 and 2011.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The payment of dividends by the Company is also affected by various regulatory requirements and policies, such as the requirements to maintain adequate capital. In addition, if, in the opinion of the applicable regulatory authority, a bank under its jurisdiction is engaged in or is about to engage in an unsafe or unsound practice (which, depending on the financial condition of the bank, could include the payment of dividends), that authority may require, after notice and hearing, that such bank cease and desist from that practice. The Federal Reserve Bank and the Comptroller of the Currency have each indicated that paying dividends that deplete a bank's capital base to an inadequate level would be an unsafe and unsound banking practice. The Federal Reserve Bank, the Comptroller and the Federal Deposit Insurance Corporation have issued policy statements which provide that bank holding companies and insured banks should generally only pay dividends out of current operating earnings.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In addition to the effect on the payment of dividends, failure to meet minimum capital requirements can also result in mandatory and discretionary actions by regulators that, if undertaken, could have an impact on the Company's operations. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measurements of the Bank's assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank's capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios set forth in the table below of Tier 1 capital and Tier 2 or total capital to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2012, that the Bank meets all capital adequacy requirements to which it is subject.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012, the most recent notification from the Office of the Comptroller of the Currency classified the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since this notification that Management believes have changed the institution's category.&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The actual and minimum capital amounts and ratios for the Bank are presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For capital&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;To be well-capitalized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;adequacy&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;under prompt corrective&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Actual&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;purposes&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;action provisions&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;124,366,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;63,531,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;79,414,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15.66&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;114,419,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,765,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;47,648,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.41&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;114,419,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,636,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;69,545,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.23&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;123,599,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;80,400,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15.37&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;113,521,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,160,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;48,240,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.11&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;113,521,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;54,600,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;68,250,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.33&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The actual and minimum capital amounts and ratios for the Company, on a consolidated basis, are presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For capital&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;To be well-capitalized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;adequacy&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;under prompt corrective&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Actual&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;purposes&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;action provisions&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;127,557,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;63,579,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16.05&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;117,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,790,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.80&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;117,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,628,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.46&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;125,943,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15.66&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;115,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,160,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.40&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;115,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,720,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
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  <!--Diluted earnings per common share-->
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  <!--Diluted earnings per common share-->
  <us-gaap:EarningsPerShareDiluted contextRef="c20100101to20101231" unitRef="U003" decimals="2">1.10</us-gaap:EarningsPerShareDiluted>
  <!--Diluted earnings per common share-->
  <us-gaap:EarningsPerShareDiluted contextRef="c20110101to20110331" unitRef="U003" decimals="2">0.29</us-gaap:EarningsPerShareDiluted>
  <!--Diluted earnings per common share-->
  <us-gaap:EarningsPerShareDiluted contextRef="c20110401to20110630" unitRef="U003" decimals="2">0.29</us-gaap:EarningsPerShareDiluted>
  <!--Diluted earnings per common share-->
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  <!--Diluted earnings per common share-->
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  <!--Diluted earnings per common share-->
  <us-gaap:EarningsPerShareDiluted contextRef="c20120101to20120331" unitRef="U003" decimals="2">0.28</us-gaap:EarningsPerShareDiluted>
  <!--Diluted earnings per common share-->
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  <!--Diluted earnings per common share-->
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  <!--Diluted earnings per common share-->
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  <us-gaap:DisclosureOfReclassificationAmountTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 22. Reclassifications&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certain items from prior years were reclassified in the financial statements to conform with the current year presentation. These do not have a material impact on the balance sheet or statement of income presentations.&lt;/div&gt;&lt;/div&gt;</us-gaap:DisclosureOfReclassificationAmountTextBlock>
  <!--Principles of Consolidation-->
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  <!--Allocated Share-based Compensation Expense-->
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  <!--Allocated Share-based Compensation Expense-->
  <us-gaap:AllocatedShareBasedCompensationExpense contextRef="c20110101to20111231" unitRef="U001" decimals="0">22000</us-gaap:AllocatedShareBasedCompensationExpense>
  <!--Share-based Compensation-->
  <us-gaap:ShareBasedCompensation contextRef="c20120101to20121231" unitRef="U001" decimals="0">85000</us-gaap:ShareBasedCompensation>
  <!--Share-based Compensation-->
  <us-gaap:ShareBasedCompensation contextRef="c20110101to20111231" unitRef="U001" decimals="0">22000</us-gaap:ShareBasedCompensation>
  <!--Share-based Compensation-->
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  <!--Share-based Compensation-Parent Company [Member]-->
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  <!--Share-based Compensation-Parent Company [Member]-->
  <us-gaap:ShareBasedCompensation contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">22000</us-gaap:ShareBasedCompensation>
  <!--Share-based Compensation-Parent Company [Member]-->
  <us-gaap:ShareBasedCompensation contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">37000</us-gaap:ShareBasedCompensation>
  <!--Compensation cost-->
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  <!--Investment in subsidiary-Parent Company [Member]-->
  <us-gaap:EquityMethodInvestments contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">125580000</us-gaap:EquityMethodInvestments>
  <!--Investment in subsidiary-Parent Company [Member]-->
  <us-gaap:EquityMethodInvestments contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">122009000</us-gaap:EquityMethodInvestments>
  <!--Fair value of assets acquired-->
  <us-gaap:FairValueOfAssetsAcquired contextRef="c20120101to20121231" unitRef="U001" decimals="0">-6577000</us-gaap:FairValueOfAssetsAcquired>
  <!--Fair value of assets acquired-->
  <us-gaap:FairValueOfAssetsAcquired contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</us-gaap:FairValueOfAssetsAcquired>
  <!--Fair value of assets acquired-->
  <us-gaap:FairValueOfAssetsAcquired contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</us-gaap:FairValueOfAssetsAcquired>
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20121231" unitRef="U001" decimals="0">1638000</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20111231" unitRef="U001" decimals="0">0</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20110331" unitRef="U001" decimals="-3">100000</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20110630" unitRef="U001" decimals="-3">100000</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20110930" unitRef="U001" decimals="-3">100000</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20120331" unitRef="U001" decimals="-3">1532000</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20120630" unitRef="U001" decimals="-3">0</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <us-gaap:FederalFundsSold contextRef="c20120930" unitRef="U001" decimals="-3">681000</us-gaap:FederalFundsSold>
  <!--Interest bearing deposits in other banks-->
  <!--Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Amount of Available, Unused Funds-->
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  <!--Loans used to collateralize borrowings from the Federal Home Loan Bank of Boston-->
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  <!--Loans used to collateralize borrowings from the Federal Home Loan Bank of Boston-->
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  <!--Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Maximum Amount Available-->
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  <!--Long-term Federal Home Loan Bank Advances-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:FederalHomeLoanBankAdvancesLongTerm contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">181401000</us-gaap:FederalHomeLoanBankAdvancesLongTerm>
  <!--Long-term Federal Home Loan Bank Advances-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:FederalHomeLoanBankAdvancesLongTerm contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">189321000</us-gaap:FederalHomeLoanBankAdvancesLongTerm>
  <!--Long-term Federal Home Loan Bank Advances-Fair Value, Inputs, Level 1 [Member]-->
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  <!--Long-term Federal Home Loan Bank Advances-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:FederalHomeLoanBankAdvancesLongTerm contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">189321000</us-gaap:FederalHomeLoanBankAdvancesLongTerm>
  <!--Long-term Federal Home Loan Bank Advances-Fair Value, Inputs, Level 3 [Member]-->
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  <!--Federal Home Loan Bank, Advances, Maturities Summary-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummary contextRef="c20121231" unitRef="U001" decimals="0">181401000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummary>
  <!--Federal Home Loan Bank, Advances, Maturities Summary-->
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  <!--2018 and thereafter (in hundredths)-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeAfterFiveYearsInterestRateRange contextRef="c20120101to20121231">0.00%-3.25%</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeAfterFiveYearsInterestRateRange>
  <!--2013 (in hundredths)-->
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  <!--2013 (in hundredths)-->
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  <!--2018 and thereafter-->
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  <!--2017 Maturity-->
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  <!--2017 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate contextRef="c20111231" unitRef="U001" decimals="0">50163000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate>
  <!--2014 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate contextRef="c20121231" unitRef="U001" decimals="0">10000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate>
  <!--2014 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate contextRef="c20111231" unitRef="U001" decimals="0">10000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate>
  <!--2016 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate contextRef="c20121231" unitRef="U001" decimals="0">30000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate>
  <!--2016 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate contextRef="c20111231" unitRef="U001" decimals="0">30000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate>
  <!--2015 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate contextRef="c20121231" unitRef="U001" decimals="0">40000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate>
  <!--2015 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate contextRef="c20111231" unitRef="U001" decimals="0">40000000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate>
  <!--2013 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate contextRef="c20121231" unitRef="U001" decimals="0">41245000</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate>
  <!--2013 Maturity-->
  <us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate contextRef="c20111231" unitRef="U001" decimals="0">0</us-gaap:FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate>
  <!--Federal Home Loan Bank Stock-->
  <us-gaap:FederalHomeLoanBankStock contextRef="c20121231" unitRef="U001" decimals="0">13412000</us-gaap:FederalHomeLoanBankStock>
  <!--Federal Home Loan Bank Stock-->
  <us-gaap:FederalHomeLoanBankStock contextRef="c20111231" unitRef="U001" decimals="0">14031000</us-gaap:FederalHomeLoanBankStock>
  <!--Finite-Lived Intangible Assets, Future Amortization Expense-Bank Acquisitions From Camden National Bank [Member]-->
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  <!--2017-Bank Acquisitions From Camden National Bank [Member]-->
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  <!--2016-Bank Acquisitions From Camden National Bank [Member]-->
  <us-gaap:FutureAmortizationExpenseYearFour contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">43000</us-gaap:FutureAmortizationExpenseYearFour>
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  <!--Net loss on disposal of premises and equipment-->
  <us-gaap:GainLossOnDispositionOfAssets contextRef="c20110101to20111231" unitRef="U001" decimals="0">5000</us-gaap:GainLossOnDispositionOfAssets>
  <!--Net loss on disposal of premises and equipment-->
  <us-gaap:GainLossOnDispositionOfAssets contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</us-gaap:GainLossOnDispositionOfAssets>
  <!--Goodwill and Identified Intangible Assets-->
  <us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Goodwill and Identified Intangible Assets&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Intangible assets include the excess of the purchase price over the fair value of net assets acquired (goodwill) from the acquisition of FNB Bankshares in 2005 as well as the core deposit intangible related to the same acquisition. The core deposit intangible is amortized on a straight-line basis over ten years. Annual amortization expense for 2012, 2011 and 2010 was $283,000 and the amortization expense for each year until fully amortized will be $283,000. Intangible assets also include the goodwill and core deposit intangible from the 2012 acquisition of a bank branch in Rockland, Maine and a bank building in Bangor, Maine. The core deposit intangible will be amortized on a straight-line basis over ten years. Annual amortization expense for each year until fully amortized will be $43,000. The straight-line basis is used because the Company does not expect significant run off in the core deposits acquired. The Company annually evaluates goodwill, and periodically evaluates other intangible assets for impairment on the basis of whether these assets are fully recoverable from projected, undiscounted net cash flows of the acquired company. At December 31, 2012, the Company determined goodwill and other intangible assets were not impaired.&lt;/div&gt;&lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsPolicyTextBlock>
  <!--Federal Income Tax Expense (Benefit), Continuing Operations-->
  <us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations contextRef="c20120101to20121231" unitRef="U001" decimals="0">3131000</us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations>
  <!--Federal Income Tax Expense (Benefit), Continuing Operations-->
  <us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations contextRef="c20110101to20111231" unitRef="U001" decimals="0">3558000</us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations>
  <!--Federal Income Tax Expense (Benefit), Continuing Operations-->
  <us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations contextRef="c20100101to20101231" unitRef="U001" decimals="0">3845000</us-gaap:FederalIncomeTaxExpenseBenefitContinuingOperations>
  <!--State franchise tax-->
  <us-gaap:StateAndLocalIncomeTaxExpenseBenefitContinuingOperations contextRef="c20120101to20121231" unitRef="U001" decimals="0">240000</us-gaap:StateAndLocalIncomeTaxExpenseBenefitContinuingOperations>
  <!--State franchise tax-->
  <us-gaap:StateAndLocalIncomeTaxExpenseBenefitContinuingOperations contextRef="c20110101to20111231" unitRef="U001" decimals="0">233000</us-gaap:StateAndLocalIncomeTaxExpenseBenefitContinuingOperations>
  <!--State franchise tax-->
  <us-gaap:StateAndLocalIncomeTaxExpenseBenefitContinuingOperations contextRef="c20100101to20101231" unitRef="U001" decimals="0">233000</us-gaap:StateAndLocalIncomeTaxExpenseBenefitContinuingOperations>
  <!--Income Tax Disclosure [Text Block]-->
  <us-gaap:IncomeTaxDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 10. Income Taxes&lt;/u&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The current and deferred components of income tax expense were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Federal income tax&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Current&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,239,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,828,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,450,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Deferred&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(108,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;730,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,558,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,845,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State franchise tax&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;240,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;233,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;233,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,371,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,791,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;The actual tax expense differs from the expected tax expense (computed by applying the applicable U.S. Federal corporate income tax rate to income before income taxes) as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Expected tax expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;5,621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,668,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-taxable income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(2,096,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,794,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,527,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State franchise tax, net of federal tax benefit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;152,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;151,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Tax credits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(414,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(383,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(345,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;104,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;162,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,371,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,791,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deferred tax assets and liabilities are classified as other assets and other liabilities in the consolidated balance sheets. No valuation allowance is deemed necessary for the deferred tax asset. Items that give rise to the deferred income tax assets and liabilities and the tax effect of each at December 31, 2012 and 2011 are as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Allowance for loan losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4,375,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,550,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;OREO&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued pension and post-retirement&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized loss on securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other than temporary impairment of securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;192,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total deferred tax asset&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;6,110,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,053,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net deferred loan costs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(770,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(664,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Depreciation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(2,326,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(2,236,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized gain on securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(4,275,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(3,985,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(421,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Core deposit intangible&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(203,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investment in flow through entities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(323,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(264,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Prepaid expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(422,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(528,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total deferred tax liability&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(8,622,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(8,403,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net deferred tax liability&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(2,512,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(2,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31, 2012, the Company held investments in two limited partnerships with related New Market Tax Credits. These investments are carried at cost and amortized on the effective yield method. The tax credits from these investments are estimated at $636,000 and $589,000 for each of the years ended December 31, 2012 and 2011, respectively, and are recorded as a reduction of income tax expense. Amortization of the investments in the limited partnerships totaled $476,000 and $390,000 for the years ended December 31, 2012 and 2011, respectively, and is recognized as a component of income tax expense in the consolidated statements of income. The carrying value of these investments was $1,546,000 and $2,022,000 at December 31, 2012 and 2011, respectively, and is recorded in other&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;assets. The Company's total exposure to these limited partnerships was $5,046,000 and $5,522,000, at December 31, 2012 and 2011, respectively, which is comprised of the Company's equity investment in the limited partnerships and the balance of a participated loan receivable.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;FASB ASC Topic 740 "Income Taxes" defines the criteria that an individual tax position must satisfy for some or all of the benefits of that position to be recognized in a company's financial statements. Topic 740 prescribes a recognition threshold of more-likely-than-not, and a measurement attribute for all tax positions taken or expected to be taken on a tax return, in order for those tax positions to be recognized in the financial statements. The Company is currently open to audit under the statute of limitations by the Internal Revenue Service for the years ended December 31, 2009 through 2011.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
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  <us-gaap:IncomeTaxPolicyTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Income Taxes&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between financial statement carrying amounts of assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period the change is enacted.&lt;/div&gt;&lt;/div&gt;</us-gaap:IncomeTaxPolicyTextBlock>
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  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="c20120101to20121231" unitRef="U001" decimals="0">5621000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <!--Expected tax expense-->
  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="c20110101to20111231" unitRef="U001" decimals="0">5654000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <!--Expected tax expense-->
  <us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate contextRef="c20100101to20101231" unitRef="U001" decimals="0">5668000</us-gaap:IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate>
  <!--Income Tax Reconciliation, Nondeductible Expense, Amortization-->
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  <!--Income Tax Reconciliation, Nondeductible Expense, Amortization-->
  <us-gaap:IncomeTaxReconciliationNondeductibleExpenseAmortization contextRef="c20110101to20111231" unitRef="U001" decimals="0">390000</us-gaap:IncomeTaxReconciliationNondeductibleExpenseAmortization>
  <!--Other-->
  <us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="c20120101to20121231" unitRef="U001" decimals="0">104000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
  <!--Other-->
  <us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="c20110101to20111231" unitRef="U001" decimals="0">162000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
  <!--Other-->
  <us-gaap:IncomeTaxReconciliationOtherAdjustments contextRef="c20100101to20101231" unitRef="U001" decimals="0">131000</us-gaap:IncomeTaxReconciliationOtherAdjustments>
  <!--State franchise tax, net of federal tax benefit-->
  <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="c20120101to20121231" unitRef="U001" decimals="0">156000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
  <!--State franchise tax, net of federal tax benefit-->
  <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="c20110101to20111231" unitRef="U001" decimals="0">152000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
  <!--State franchise tax, net of federal tax benefit-->
  <us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes contextRef="c20100101to20101231" unitRef="U001" decimals="0">151000</us-gaap:IncomeTaxReconciliationStateAndLocalIncomeTaxes>
  <!--Income Tax Reconciliation, Tax Credits-->
  <us-gaap:IncomeTaxReconciliationTaxCredits contextRef="c20120101to20121231" unitRef="U001" decimals="0">414000</us-gaap:IncomeTaxReconciliationTaxCredits>
  <!--Income Tax Reconciliation, Tax Credits-->
  <us-gaap:IncomeTaxReconciliationTaxCredits contextRef="c20110101to20111231" unitRef="U001" decimals="0">383000</us-gaap:IncomeTaxReconciliationTaxCredits>
  <!--Income Tax Reconciliation, Tax Credits-->
  <us-gaap:IncomeTaxReconciliationTaxCredits contextRef="c20100101to20101231" unitRef="U001" decimals="0">345000</us-gaap:IncomeTaxReconciliationTaxCredits>
  <!--Tax credits from investments in limited partnerships-->
  <us-gaap:IncomeTaxReconciliationTaxCreditsInvestment contextRef="c20120101to20121231" unitRef="U001" decimals="0">636000</us-gaap:IncomeTaxReconciliationTaxCreditsInvestment>
  <!--Income Tax Reconciliation, Tax Exempt Income-->
  <us-gaap:IncomeTaxReconciliationTaxExemptIncome contextRef="c20120101to20121231" unitRef="U001" decimals="0">2096000</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
  <!--Income Tax Reconciliation, Tax Exempt Income-->
  <us-gaap:IncomeTaxReconciliationTaxExemptIncome contextRef="c20110101to20111231" unitRef="U001" decimals="0">1794000</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
  <!--Income Tax Reconciliation, Tax Exempt Income-->
  <us-gaap:IncomeTaxReconciliationTaxExemptIncome contextRef="c20100101to20101231" unitRef="U001" decimals="0">1527000</us-gaap:IncomeTaxReconciliationTaxExemptIncome>
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  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c20120101to20121231" unitRef="U001" decimals="0">756000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <!--Net decrease in other assets and accrued interest-->
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c20110101to20111231" unitRef="U001" decimals="0">1288000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <!--Net decrease in other assets and accrued interest-->
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c20100101to20101231" unitRef="U001" decimals="0">177000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <!--Net decrease in other assets and accrued interest-Parent Company [Member]-->
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">15000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <!--Net decrease in other assets and accrued interest-Parent Company [Member]-->
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">42000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <!--Net decrease in other assets and accrued interest-Parent Company [Member]-->
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">1000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <!--Goodwill-->
  <us-gaap:Goodwill contextRef="c20121231" unitRef="U001" decimals="0">29805000</us-gaap:Goodwill>
  <!--Goodwill-->
  <us-gaap:Goodwill contextRef="c20111231" unitRef="U001" decimals="0">27684000</us-gaap:Goodwill>
  <!--Goodwill-Parent Company [Member]-->
  <us-gaap:Goodwill contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">27559000</us-gaap:Goodwill>
  <!--Goodwill-Parent Company [Member]-->
  <us-gaap:Goodwill contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">27559000</us-gaap:Goodwill>
  <!--Interest-bearing Deposits in Banks and Other Financial Institutions-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:InterestBearingDepositsInBanks contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">1638000</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest-bearing Deposits in Banks and Other Financial Institutions-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:InterestBearingDepositsInBanks contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">1638000</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest-bearing Deposits in Banks and Other Financial Institutions-Fair Value, Inputs, Level 1 [Member]-->
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  <!--Interest-bearing Deposits in Banks and Other Financial Institutions-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:InterestBearingDepositsInBanks contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">0</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest-bearing Deposits in Banks and Other Financial Institutions-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:InterestBearingDepositsInBanks contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest-bearing Deposits in Banks and Other Financial Institutions-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:InterestBearingDepositsInBanks contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">0</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest-bearing Deposits in Banks and Other Financial Institutions-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:InterestBearingDepositsInBanks contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">0</us-gaap:InterestBearingDepositsInBanks>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20120101to20121231" unitRef="U001" decimals="0">12938000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20110101to20111231" unitRef="U001" decimals="0">14709000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20100101to20101231" unitRef="U001" decimals="0">16671000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20110101to20110331" unitRef="U001" decimals="-3">3749000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20110401to20110630" unitRef="U001" decimals="-3">3774000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20110701to20110930" unitRef="U001" decimals="-3">3670000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20111001to20111231" unitRef="U001" decimals="-3">3516000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20120101to20120331" unitRef="U001" decimals="-3">3300000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20120401to20120630" unitRef="U001" decimals="-3">3215000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20120701to20120930" unitRef="U001" decimals="-3">3222000</us-gaap:InterestExpense>
  <!--Interest Expense-->
  <us-gaap:InterestExpense contextRef="c20121001to20121231" unitRef="U001" decimals="-3">3201000</us-gaap:InterestExpense>
  <!--Interest on borrowed funds-->
  <us-gaap:InterestExpenseBorrowings contextRef="c20120101to20121231" unitRef="U001" decimals="0">4542000</us-gaap:InterestExpenseBorrowings>
  <!--Interest on borrowed funds-->
  <us-gaap:InterestExpenseBorrowings contextRef="c20110101to20111231" unitRef="U001" decimals="0">4963000</us-gaap:InterestExpenseBorrowings>
  <!--Interest on borrowed funds-->
  <us-gaap:InterestExpenseBorrowings contextRef="c20100101to20101231" unitRef="U001" decimals="0">6374000</us-gaap:InterestExpenseBorrowings>
  <!--Interest on deposits-->
  <us-gaap:InterestExpenseDeposits contextRef="c20120101to20121231" unitRef="U001" decimals="0">8396000</us-gaap:InterestExpenseDeposits>
  <!--Interest on deposits-->
  <us-gaap:InterestExpenseDeposits contextRef="c20110101to20111231" unitRef="U001" decimals="0">9746000</us-gaap:InterestExpenseDeposits>
  <!--Interest on deposits-->
  <us-gaap:InterestExpenseDeposits contextRef="c20100101to20101231" unitRef="U001" decimals="0">10297000</us-gaap:InterestExpenseDeposits>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20120101to20121231" unitRef="U001" decimals="0">31052000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20110101to20111231" unitRef="U001" decimals="0">30443000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20100101to20101231" unitRef="U001" decimals="0">32189000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20110101to20110331" unitRef="U001" decimals="-3">8405000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20110401to20110630" unitRef="U001" decimals="-3">8223000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20110701to20110930" unitRef="U001" decimals="-3">8728000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20111001to20111231" unitRef="U001" decimals="-3">5087000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20120101to20120331" unitRef="U001" decimals="-3">7706000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20120401to20120630" unitRef="U001" decimals="-3">7118000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20120701to20120930" unitRef="U001" decimals="-3">8270000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Net interest income after provision for loan losses-->
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="c20121001to20121231" unitRef="U001" decimals="-3">7958000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <!--Interest on deposits with other banks-->
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions contextRef="c20120101to20121231" unitRef="U001" decimals="0">4000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <!--Interest on deposits with other banks-->
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions contextRef="c20110101to20111231" unitRef="U001" decimals="0">12000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <!--Interest on deposits with other banks-->
  <us-gaap:InterestIncomeDepositsWithFinancialInstitutions contextRef="c20100101to20101231" unitRef="U001" decimals="0">6000</us-gaap:InterestIncomeDepositsWithFinancialInstitutions>
  <!--Interest Income, Securities, Tax Exempt-->
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="c20120101to20121231" unitRef="U001" decimals="0">5175000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <!--Interest Income, Securities, Tax Exempt-->
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="c20110101to20111231" unitRef="U001" decimals="0">4332000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <!--Interest Income, Securities, Tax Exempt-->
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="c20100101to20101231" unitRef="U001" decimals="0">3373000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <!--Interest and dividends on investments (includes tax-exempt income of $4,332,000 in 2012, $4,332,000 in 2011, and $3,373,000 in 2010)-->
  <us-gaap:InterestAndDividendIncomeSecurities contextRef="c20120101to20121231" unitRef="U001" decimals="0">14795000</us-gaap:InterestAndDividendIncomeSecurities>
  <!--Interest and dividends on investments (includes tax-exempt income of $4,332,000 in 2012, $4,332,000 in 2011, and $3,373,000 in 2010)-->
  <us-gaap:InterestAndDividendIncomeSecurities contextRef="c20110101to20111231" unitRef="U001" decimals="0">15885000</us-gaap:InterestAndDividendIncomeSecurities>
  <!--Interest and dividends on investments (includes tax-exempt income of $4,332,000 in 2012, $4,332,000 in 2011, and $3,373,000 in 2010)-->
  <us-gaap:InterestAndDividendIncomeSecurities contextRef="c20100101to20101231" unitRef="U001" decimals="0">13351000</us-gaap:InterestAndDividendIncomeSecurities>
  <!--Accrued interest receivable-->
  <us-gaap:InterestReceivable contextRef="c20121231" unitRef="U001" decimals="0">4912000</us-gaap:InterestReceivable>
  <!--Accrued interest receivable-->
  <us-gaap:InterestReceivable contextRef="c20111231" unitRef="U001" decimals="0">4835000</us-gaap:InterestReceivable>
  <!--Interest and dividends on investments-Parent Company [Member]-->
  <us-gaap:InvestmentIncomeNet contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">10000</us-gaap:InvestmentIncomeNet>
  <!--Interest and dividends on investments-Parent Company [Member]-->
  <us-gaap:InvestmentIncomeNet contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">10000</us-gaap:InvestmentIncomeNet>
  <!--Interest and dividends on investments-Parent Company [Member]-->
  <us-gaap:InvestmentIncomeNet contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">10000</us-gaap:InvestmentIncomeNet>
  <!--Investment Securities-->
  <us-gaap:MarketableSecuritiesPolicy contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Investment Securities&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investment securities are classified as available for sale or held to maturity when purchased. There are no trading account securities. Securities available for sale consist primarily of debt securities which Management intends to hold for indefinite periods of time. They may be used as part of the Bank's funds management strategy, and may be sold in response to changes in interest rates or prepayment risk, changes in liquidity needs, or for other reasons. They are accounted for at fair value, with unrealized gains or losses adjusted through shareholders' equity, net of related income taxes. Securities to be held to maturity consist primarily of debt securities which Management has acquired solely for long-term investment purposes, rather than for purposes of trading or future sale. For securities to be held to maturity, Management has the intent and the Bank has the ability to hold such securities until their respective maturity dates. Such securities are carried at cost adjusted for the amortization of premiums and accretion of discounts. Investment securities transactions are accounted for on a settlement date basis; reported amounts would not be materially different from those accounted for on a trade date basis. Gains and losses on the sales of investment securities are determined using the amortized cost of the security. For declines in the fair value of individual debt securities available for sale below their cost that are deemed to be other than temporary, where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security before recovery of its amortized cost basis, the other-than-temporary decline in the fair value of the debt security related to 1) credit loss is recognized in earnings and 2) other factors is recognized in other comprehensive income or loss. Credit loss is deemed to exist if the present value of expected future cash flows using the effective rate at acquisition is less than the amortized cost basis of the debt security. For individual debt securities where the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the security's cost basis and its fair value at the balance sheet date.&lt;/div&gt;&lt;/div&gt;</us-gaap:MarketableSecuritiesPolicy>
  <!--Investments-Parent Company [Member]-->
  <us-gaap:Investments contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">429000</us-gaap:Investments>
  <!--Investments-Parent Company [Member]-->
  <us-gaap:Investments contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">327000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20110331" unitRef="U001" decimals="-3">435387000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20110630" unitRef="U001" decimals="-3">427248000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20110930" unitRef="U001" decimals="-3">456481000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20111231" unitRef="U001" decimals="-3">408863000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20120331" unitRef="U001" decimals="-3">454717000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20120630" unitRef="U001" decimals="-3">443122000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20120930" unitRef="U001" decimals="-3">454156000</us-gaap:Investments>
  <!--Investments-->
  <us-gaap:Investments contextRef="c20121231" unitRef="U001" decimals="-3">434934000</us-gaap:Investments>
  <!--Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]-->
  <us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 3. Investment Securities&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following tables summarize the amortized cost and estimated fair value of investment securities at December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Amortized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Fair Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gains&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;164,752,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,636,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(295,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;169,093,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;113,069,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,074,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;120,944,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;279,399,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,753,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(538,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,919,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;242,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,979,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;39,193,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,850,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,024,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,908,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,036,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;46,944,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,128,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(201,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Restricted equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Home Loan Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Reserve Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,036,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,036,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Amortized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Fair Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gains&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;191,924,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,486,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(178,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;198,232,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;80,259,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,484,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(17,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,726,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,098,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,535,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(139,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;274,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,007,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,390,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;132,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,522,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;56,800,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,900,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(3,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,697,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;46,171,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;50,158,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;122,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,191,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(175,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;130,677,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Restricted equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Home Loan Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,031,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,031,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Reserve Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the contractual maturities of investment securities at December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 year or less&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,761,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,926,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,754,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,785,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 to 5 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,243,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,950,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,701,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 5 to 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,686,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;17,666,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,461,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;29,986,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due after 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;215,131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,629,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100,155,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;103,775,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;279,399,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the contractual maturities of investment securities at December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In thousands of dollars&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;br /&gt;&lt;/font&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;br /&gt;&lt;/font&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 year or less&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,617,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,773,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,179,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,227,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 to 5 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,792,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,473,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,085,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 5 to 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,219,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,065,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,027,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,694,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due after 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;224,653,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;234,458,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;84,370,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;90,102,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,535,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;274,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;122,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;130,677,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31, 2012, securities with a fair value of $154,817,000 were pledged to secure borrowings from the Federal Home Loan Bank of Boston, public deposits, repurchase agreements, and for other purposes as required by law. This compares to securities with a fair value of $141,506,000, as of December 31, 2011 pledged for the same purpose.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Gains and losses on the sale of securities available for sale are computed by subtracting the amortized cost at the time of sale from the security's selling price, net of accrued interest to be received.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows securities gains and losses for 2012, 2011 and 2010:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Proceeds from sales of securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;26,437,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;140,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;202,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gross realized gains&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,257,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,020,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gross realized losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(289,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(727,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Net gain&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,968,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;689,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes activity in the unrealized gain or loss on available for sale securities included in other comprehensive income for the years ended December 31, 2012, 2011 and 2010.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;7,401,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,057,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(125,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized gains (losses) arising during the period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,797,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,844,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,971,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Realized gains during the period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(1,968,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(3,293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related deferred taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(290,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(5,093,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,041,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Net change&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,458,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(1,932,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;7,940,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,401,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,057,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Management reviews securities with unrealized losses for other than temporary impairment. As of December 31, 2012, there were 42 securities with unrealized losses held in the Company's portfolio. These securities were temporarily impaired as a result of changes in interest rates reducing their fair value, of which 7 had been temporarily impaired for&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12 months or more. At the present time, there have been no material changes in the credit quality of these securities resulting in other than temporary impairment, and in Management's opinion, no additional write-down for other-than-temporary impairment is warranted.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Information regarding securities temporarily impaired as of December 31, 2012 is summarized below:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Less than 12 months&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;12 months or more&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,817,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,817,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(231,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,534,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(83,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,516,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(314,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;34,420,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(612,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,756,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(127,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,176,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(739,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information regarding securities temporarily impaired as of December 31, 2011 is summarized below:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Less than 12 months&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;12 months or more&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,489,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,780,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,269,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(181,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,984,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(17,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,667,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,651,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(189,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;154,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;34,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;188,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(139,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,627,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(162,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,292,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(634,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,919,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank is a member of the Federal Home Loan Bank ("FHLB") of Boston, a cooperatively owned wholesale bank for housing and finance in the six New England States. As a requirement of membership in the FHLB, the Bank must own a minimum required amount of FHLB stock, calculated periodically based primarily on its level of borrowings from the FHLB. The Bank uses the FHLB for much of its wholesale funding needs. As of December 31, 2012 and December 31, 2011, the Bank's investment in FHLB stock totaled $13,412,000 and $14,031,000, respectively. FHLB stock is a restricted equity security and therefore is reported at cost, which equals par value.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Company periodically evaluates its investment in FHLB stock for impairment based on, among other factors, the capital adequacy of the FHLB and its overall financial condition. No impairment losses have been recorded through December 31, 2012. The Bank will continue to monitor its investment in FHLB stock.&lt;/div&gt;&lt;/div&gt;</us-gaap:InvestmentsInDebtAndMarketableEquitySecuritiesAndCertainTradingAssetsDisclosureTextBlock>
  <!--Salaries and employee benefits-->
  <us-gaap:LaborAndRelatedExpense contextRef="c20120101to20121231" unitRef="U001" decimals="0">12691000</us-gaap:LaborAndRelatedExpense>
  <!--Salaries and employee benefits-->
  <us-gaap:LaborAndRelatedExpense contextRef="c20110101to20111231" unitRef="U001" decimals="0">12245000</us-gaap:LaborAndRelatedExpense>
  <!--Salaries and employee benefits-->
  <us-gaap:LaborAndRelatedExpense contextRef="c20100101to20101231" unitRef="U001" decimals="0">11927000</us-gaap:LaborAndRelatedExpense>
  <!--Liabilities-->
  <us-gaap:Liabilities contextRef="c20121231" unitRef="U001" decimals="0">1258676000</us-gaap:Liabilities>
  <!--Liabilities-->
  <us-gaap:Liabilities contextRef="c20111231" unitRef="U001" decimals="0">1222009000</us-gaap:Liabilities>
  <!--Liabilities-Parent Company [Member]-->
  <us-gaap:Liabilities contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">1945000</us-gaap:Liabilities>
  <!--Liabilities-Parent Company [Member]-->
  <us-gaap:Liabilities contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">1914000</us-gaap:Liabilities>
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20121231" unitRef="U001" decimals="0">1414999000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20111231" unitRef="U001" decimals="0">1372867000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-Parent Company [Member]-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">158268000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-Parent Company [Member]-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">152772000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20110331" unitRef="U001" decimals="-3">1431038000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20110630" unitRef="U001" decimals="-3">1417690000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20110930" unitRef="U001" decimals="-3">1427038000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20120331" unitRef="U001" decimals="-3">1423792000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20120630" unitRef="U001" decimals="-3">1424757000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="c20120930" unitRef="U001" decimals="-3">1423316000</us-gaap:LiabilitiesAndStockholdersEquity>
  <!--Liabilities and Equity-->
  <!--Carrying value of investments in limited partnerships-->
  <us-gaap:LimitedPartnersCapitalAccount contextRef="c20121231" unitRef="U001" decimals="0">1546000</us-gaap:LimitedPartnersCapitalAccount>
  <!--Carrying value of investments in limited partnerships-->
  <us-gaap:LimitedPartnersCapitalAccount contextRef="c20111231" unitRef="U001" decimals="0">2022000</us-gaap:LimitedPartnersCapitalAccount>
  <!--Loans Receivable Held-for-sale, Net-->
  <us-gaap:LoansReceivableHeldForSaleNet contextRef="c20121231" unitRef="U001" decimals="0">1035000</us-gaap:LoansReceivableHeldForSaleNet>
  <!--Loans Receivable Held-for-sale, Net-->
  <us-gaap:LoansReceivableHeldForSaleNet contextRef="c20111231" unitRef="U001" decimals="0">0</us-gaap:LoansReceivableHeldForSaleNet>
  <!--Interest and fees on loans (includes tax-exempt income of $696,000 in 2012, $696,000 in 2011, and $868,000 in 2010)-->
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c20120101to20121231" unitRef="U001" decimals="0">37026000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <!--Interest and fees on loans (includes tax-exempt income of $696,000 in 2012, $696,000 in 2011, and $868,000 in 2010)-->
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c20110101to20111231" unitRef="U001" decimals="0">39805000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <!--Interest and fees on loans (includes tax-exempt income of $696,000 in 2012, $696,000 in 2011, and $868,000 in 2010)-->
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="c20100101to20101231" unitRef="U001" decimals="0">43903000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <!--Allowance for Loan Losses-->
  <us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Allowance for Loan Losses&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans considered to be uncollectible are charged against the allowance for loan losses. The allowance for loan losses is maintained at a level determined by Management to be appropriate to absorb probable losses. This allowance is increased by provisions charged to operating expenses and recoveries on loans previously charged off. Arriving at an appropriate level of allowance for loan losses necessarily involves a high degree of judgment. In determining the appropriate level of allowance for loan losses, Management takes into consideration several factors, including reviews of individual non-performing loans and performing loans listed on the watch report requiring periodic evaluation, loan portfolio size by category, recent loss experience, delinquency trends and current economic conditions. For all loan classes, loans over 30 days past due are considered delinquent. Impaired loans include restructured loans and loans placed on non-accrual status when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreement. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. Management takes into consideration impaired loans in addition to the above mentioned factors in determining the appropriate level of allowance for loan losses.&lt;/div&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableAllowanceForLoanLossesPolicy>
  <!--Interest income which would have been recognized on these loans, if interest had been accrued-->
  <us-gaap:LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans contextRef="c20120101to20121231" unitRef="U001" decimals="0">1158000</us-gaap:LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans>
  <!--Interest income which would have been recognized on these loans, if interest had been accrued-->
  <us-gaap:LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans contextRef="c20110101to20111231" unitRef="U001" decimals="0">1052000</us-gaap:LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans>
  <!--Interest income which would have been recognized on these loans, if interest had been accrued-->
  <us-gaap:LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans contextRef="c20100101to20101231" unitRef="U001" decimals="0">1334000</us-gaap:LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans>
  <!--Loan Fees and Costs-->
  <us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loan Fees and Costs&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loan origination fees and certain direct loan origination costs are deferred and recognized in interest income as an adjustment to the loan yield over the life of the related loans. The unamortized net deferred fees and costs are included on the balance sheets with the related loan balances, and the amortization is included with the related interest income.&lt;/div&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy>
  <!--Other Real Estate Owned (OREO)-->
  <us-gaap:LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other Real Estate Owned (OREO)&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Real estate acquired by foreclosure or deed in lieu of foreclosure is transferred to OREO and recorded at fair value, less estimated costs to sell, based on appraised value at the date actually or constructively received. Loan losses arising from the acquisition of such property are charged against the allowance for loan losses. Subsequent provisions to reduce the carrying value of a property are recorded to the allowance for OREO losses and a charge to operations on a specific property basis.&lt;/div&gt;&lt;/div&gt;</us-gaap:LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy>
  <!--New loans-->
  <us-gaap:LoansAndLeasesReceivableRelatedPartiesAdditions contextRef="c20120101to20121231" unitRef="U001" decimals="0">275000</us-gaap:LoansAndLeasesReceivableRelatedPartiesAdditions>
  <!--New loans-->
  <us-gaap:LoansAndLeasesReceivableRelatedPartiesAdditions contextRef="c20110101to20111231" unitRef="U001" decimals="0">237000</us-gaap:LoansAndLeasesReceivableRelatedPartiesAdditions>
  <!--Repayments-->
  <us-gaap:LoansAndLeasesReceivableRelatedPartiesCollections contextRef="c20120101to20121231" unitRef="U001" decimals="0">-9909000</us-gaap:LoansAndLeasesReceivableRelatedPartiesCollections>
  <!--Repayments-->
  <us-gaap:LoansAndLeasesReceivableRelatedPartiesCollections contextRef="c20110101to20111231" unitRef="U001" decimals="0">-1211000</us-gaap:LoansAndLeasesReceivableRelatedPartiesCollections>
  <!--Total-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231" unitRef="U001" decimals="0">869284000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231" unitRef="U001" decimals="0">864988000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Real Estate [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="0">251335000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Real Estate Construction Financing Receivable [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U001" decimals="0">22417000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Other [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U001" decimals="0">81183000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Municipal [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U001" decimals="0">14704000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Term [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U001" decimals="0">379447000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">6459000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Home Equity Line Of Credit [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">99082000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Consumer Loan [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">14657000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Real Estate [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="0">255424000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Real Estate Construction Financing Receivable [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U001" decimals="0">32574000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Other [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U001" decimals="0">86982000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Municipal [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U001" decimals="0">16221000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Term [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U001" decimals="0">341286000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">10469000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Home Equity Line Of Credit [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">105244000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Consumer Loan [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">16788000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Real Estate Portfolio Segment [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">255424000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">32574000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Other [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">86982000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Municipal [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">16221000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Term [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">341286000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">10469000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Home Equity Line Of Credit [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">105244000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Consumer Portfolio Segment [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">16788000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Unallocated Financing Receivables [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_UnallocatedFinancingReceivablesMember" unitRef="U001" decimals="0">0</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Real Estate Portfolio Segment [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">245540000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">41869000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Other [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">101462000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Municipal [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">21833000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Term [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">337927000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">15512000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Home Equity Line Of Credit [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">105297000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Consumer Portfolio Segment [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">18156000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Unallocated Financing Receivables [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231_FinancingReceivableInformationByPortfolioSegmentAxis_UnallocatedFinancingReceivablesMember" unitRef="U001" decimals="0">0</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20101231" unitRef="U001" decimals="0">887596000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Real Estate Portfolio Segment [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">251335000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">22417000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Commercial Other [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">81183000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Municipal [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">14704000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Term [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">379447000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Residential Construction [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">6459000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Home Equity Line Of Credit [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">99082000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Consumer Portfolio Segment [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">14657000</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Total-Unallocated Financing Receivables [Member]-->
  <us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_UnallocatedFinancingReceivablesMember" unitRef="U001" decimals="0">0</us-gaap:LoansAndLeasesReceivableNetOfDeferredIncome>
  <!--Net deferred loan costs included in loan balances-->
  <us-gaap:LoansAndLeasesReceivableDeferredIncome contextRef="c20121231" unitRef="U001" decimals="0">1783000</us-gaap:LoansAndLeasesReceivableDeferredIncome>
  <!--Net deferred loan costs included in loan balances-->
  <us-gaap:LoansAndLeasesReceivableDeferredIncome contextRef="c20111231" unitRef="U001" decimals="0">1386000</us-gaap:LoansAndLeasesReceivableDeferredIncome>
  <!--Commercial, construction and home equity loans used to collateralize unused line of credit at the Federal Reserve Bank of Boston-->
  <us-gaap:LoansPledgedAsCollateral contextRef="c20121231" unitRef="U001" decimals="0">220520000</us-gaap:LoansPledgedAsCollateral>
  <!--Borrowed funds - long term-->
  <us-gaap:LongTermDebt contextRef="c20121231" unitRef="U001" decimals="0">140155000</us-gaap:LongTermDebt>
  <!--Borrowed funds - long term-->
  <us-gaap:LongTermDebt contextRef="c20111231" unitRef="U001" decimals="0">130163000</us-gaap:LongTermDebt>
  <!--Fair Value Estimated-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20121231" unitRef="U001" decimals="0">291614000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20111231" unitRef="U001" decimals="0">286202000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">169093000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">120944000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">1577000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">198232000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">85726000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">811000</us-gaap:AvailableForSaleSecurities>
  <!--Fair Value Estimated-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecurities contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">1433000</us-gaap:AvailableForSaleSecurities>
  <!--Total amortized cost, held to maturity securities-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20121231" unitRef="U001" decimals="0">143320000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20111231" unitRef="U001" decimals="0">122661000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-US Treasury and Government [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20121231_DebtSecurityAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">60919000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20121231_DebtSecurityAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">39193000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20121231_DebtSecurityAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">42908000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-Corporate Debt Securities [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20121231_DebtSecurityAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">300000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-US Treasury and Government [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20111231_DebtSecurityAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">19390000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20111231_DebtSecurityAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">56800000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20111231_DebtSecurityAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">46171000</us-gaap:HeldToMaturitySecurities>
  <!--Total amortized cost, held to maturity securities-Corporate Debt Securities [Member]-->
  <us-gaap:HeldToMaturitySecurities contextRef="c20111231_DebtSecurityAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">300000</us-gaap:HeldToMaturitySecurities>
  <!--Net cash used in financing activities-->
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c20120101to20121231" unitRef="U001" decimals="0">-4910000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
  <!--Net cash used in financing activities-->
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c20110101to20111231" unitRef="U001" decimals="0">-45633000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
  <!--Net cash used in financing activities-->
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c20100101to20101231" unitRef="U001" decimals="0">50986000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
  <!--Net cash used in financing activities-Parent Company [Member]-->
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">-7811000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
  <!--Net cash used in financing activities-Parent Company [Member]-->
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">-20820000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
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  <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c20110101to20111231" unitRef="U001" decimals="0">29725000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
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  <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c20100101to20101231" unitRef="U001" decimals="0">25650000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
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  <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">9627000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
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  <us-gaap:IncreaseDecreaseInDeposits contextRef="c20110101to20111231" unitRef="U001" decimals="0">25828000</us-gaap:IncreaseDecreaseInDeposits>
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  <us-gaap:IncreaseDecreaseInDeposits contextRef="c20100101to20101231" unitRef="U001" decimals="0">-241000</us-gaap:IncreaseDecreaseInDeposits>
  <!--Payments for (Proceeds from) Loans and Leases-->
  <us-gaap:PaymentsForProceedsFromLoansAndLeases contextRef="c20120101to20121231" unitRef="U001" decimals="0">19635000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <!--Payments for (Proceeds from) Loans and Leases-->
  <us-gaap:PaymentsForProceedsFromLoansAndLeases contextRef="c20110101to20111231" unitRef="U001" decimals="0">-6176000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
  <!--Payments for (Proceeds from) Loans and Leases-->
  <us-gaap:PaymentsForProceedsFromLoansAndLeases contextRef="c20100101to20101231" unitRef="U001" decimals="0">-52395000</us-gaap:PaymentsForProceedsFromLoansAndLeases>
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  <us-gaap:IncreaseDecreaseInTimeDeposits contextRef="c20110101to20111231" unitRef="U001" decimals="0">-58981000</us-gaap:IncreaseDecreaseInTimeDeposits>
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  <us-gaap:IncreaseDecreaseInTimeDeposits contextRef="c20100101to20101231" unitRef="U001" decimals="0">52124000</us-gaap:IncreaseDecreaseInTimeDeposits>
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  <us-gaap:NetIncomeLoss contextRef="c20110101to20111231" unitRef="U001" decimals="0">12364000</us-gaap:NetIncomeLoss>
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  <us-gaap:NetIncomeLoss contextRef="c20100101to20101231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">0</us-gaap:NetIncomeLoss>
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  <!--Net income-Retained earnings [Member]-->
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  <us-gaap:NetIncomeLoss contextRef="c20100101to20101231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:NetIncomeLoss>
  <!--Net income-Preferred Stock [Member]-->
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  <!--Net income-Retained earnings [Member]-->
  <us-gaap:NetIncomeLoss contextRef="c20110101to20111231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">12364000</us-gaap:NetIncomeLoss>
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  <us-gaap:NetIncomeLoss contextRef="c20110101to20111231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:NetIncomeLoss>
  <!--Net income-Preferred Stock [Member]-->
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  <!--Net income-Retained earnings [Member]-->
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  <us-gaap:NetIncomeLoss contextRef="c20120101to20121231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:NetIncomeLoss>
  <!--Net income-Parent Company [Member]-->
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  <!--Net income-Parent Company [Member]-->
  <us-gaap:NetIncomeLoss contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">12364000</us-gaap:NetIncomeLoss>
  <!--Net income-Parent Company [Member]-->
  <us-gaap:NetIncomeLoss contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">12116000</us-gaap:NetIncomeLoss>
  <!--Net income-->
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  <!--Net income-->
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  <!--Net income-->
  <us-gaap:NetIncomeLoss contextRef="c20110701to20110930" unitRef="U001" decimals="-3">3006000</us-gaap:NetIncomeLoss>
  <!--Net income-->
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  <!--Net income-->
  <us-gaap:NetIncomeLoss contextRef="c20120101to20120331" unitRef="U001" decimals="-3">2913000</us-gaap:NetIncomeLoss>
  <!--Net income-->
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  <!--Net income-->
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  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="c20100101to20101231" unitRef="U001" decimals="0">-1494000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
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  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">1791000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
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  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">329000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
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  <us-gaap:InterestIncomeExpenseNet contextRef="c20120101to20121231" unitRef="U001" decimals="0">38887000</us-gaap:InterestIncomeExpenseNet>
  <!--Net interest income-->
  <us-gaap:InterestIncomeExpenseNet contextRef="c20110101to20111231" unitRef="U001" decimals="0">40993000</us-gaap:InterestIncomeExpenseNet>
  <!--Net interest income-->
  <us-gaap:InterestIncomeExpenseNet contextRef="c20100101to20101231" unitRef="U001" decimals="0">40589000</us-gaap:InterestIncomeExpenseNet>
  <!--Net interest income-->
  <us-gaap:InterestIncomeExpenseNet contextRef="c20110101to20110331" unitRef="U001" decimals="-3">10505000</us-gaap:InterestIncomeExpenseNet>
  <!--Net interest income-->
  <us-gaap:InterestIncomeExpenseNet contextRef="c20110401to20110630" unitRef="U001" decimals="-3">10223000</us-gaap:InterestIncomeExpenseNet>
  <!--Net interest income-->
  <us-gaap:InterestIncomeExpenseNet contextRef="c20110701to20110930" unitRef="U001" decimals="-3">10228000</us-gaap:InterestIncomeExpenseNet>
  <!--Net interest income-->
  <us-gaap:InterestIncomeExpenseNet contextRef="c20111001to20111231" unitRef="U001" decimals="-3">10037000</us-gaap:InterestIncomeExpenseNet>
  <!--Net interest income-->
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  <!--Net interest income-->
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  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="c20111231" unitRef="U001" decimals="0">13000000</us-gaap:LoansAndLeasesReceivableAllowance>
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  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">5659000</us-gaap:LoansAndLeasesReceivableAllowance>
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  <us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 24. New Accounting Pronouncements&lt;/u&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In May 2011, the FASB issued Accounting Standards Update ("ASU") No. 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRS. This ASU clarifies how to measure fair value, but does not require additional fair value measurement and is not intended to affect current valuation practices outside of financial reporting. However, additional information and disclosure will be required for transfers between Level 1 and Level 2, the sensitivity of a fair value measurement categorized as Level 3, and the categorization of items that are not measured at fair value by level of the fair value hierarchy. The guidance is effective during interim and annual reporting periods beginning after December 15, 2011. The adoption of this guidance did not have a material impact on the Company's consolidated financial statements.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In June 2011, the FASB issued ASU No. 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income. This ASU requires that all nonowner changes in shareholders' equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In the two-statement approach, the first statement should present total net income and its components followed consecutively by a second statement that should present total other comprehensive income, the components of other comprehensive income, and the total of comprehensive income. This guidance is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. Other than the manner of presentation, the adoption of this new guidance did not have a material effect on the Company's consolidated financial statements.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In August 2011, the FASB issued ASU No. 2011-08, Intangibles &amp;#8211; Goodwill and Other (Topic 350): Testing Goodwill for Impairment. This ASU permits an entity to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test described in Topic 350. Under the amendments in this ASU, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that the fair value of the reporting unit is less than its carrying amount. The guidance is effective for fiscal years ending after December 15, 2011, with early adoption permitted. The adoption of this new guidance did not have a material effect on the Company's consolidated financial statements.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In February 2013, the FASB issued ASU No. 2013-02, Reporting of Amounts Reclassified out of Accumulated Comprehensive Income. The ASU adds new disclosure requirements for items reclassified out of accumulated other comprehensive income (AOCI) and is intended to help entities improve the transparency of changes in other comprehensive income and items reclassified out of AOCI in their financial statements. The guidance is effective prospectively for reporting periods beginning after December 15, 2012, with early adoption permitted. The Company believes the adoption of this new guidance will not have a material effect on the Company's consolidated financial statements.&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock>
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  <!--Noninterest Income-->
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  <!--Noninterest Income-->
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  <!--Noninterest Income-->
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  <!--Noninterest Income-->
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  <!--Noninterest Income-->
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  <!--Noninterest Income-->
  <us-gaap:NoninterestIncome contextRef="c20120401to20120630" unitRef="U001" decimals="-3">3896000</us-gaap:NoninterestIncome>
  <!--Noninterest Income-->
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  <!--Noninterest Income-->
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  <!--Fiduciary and investment management income-->
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  <us-gaap:OtherIncomeAndOtherExpenseDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 20. Other Operating Income and Expense&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other operating income and other operating expense include the following items greater than 1% of revenues.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other operating income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;ATM and debit card income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,994,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,394,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other operating expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Advertising and marketing expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;935,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;713,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Collections/foreclosures/ other real estate owned expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;606,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;964,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;825,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;ATM and interchange expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;940,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;581,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Legal fees and expenses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;715,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;670,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;608,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:OtherIncomeAndOtherExpenseDisclosureTextBlock>
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20121231" unitRef="U001" decimals="0">16921000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20111231" unitRef="U001" decimals="0">15013000</us-gaap:OtherLiabilities>
  <!--Other liabilities-Parent Company [Member]-->
  <us-gaap:OtherLiabilities contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">22000</us-gaap:OtherLiabilities>
  <!--Other liabilities-Parent Company [Member]-->
  <us-gaap:OtherLiabilities contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">2000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20110331" unitRef="U001" decimals="-3">11703000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20110630" unitRef="U001" decimals="-3">13306000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20110930" unitRef="U001" decimals="-3">15990000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20120331" unitRef="U001" decimals="-3">16213000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20120630" unitRef="U001" decimals="-3">17152000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <us-gaap:OtherLiabilities contextRef="c20120930" unitRef="U001" decimals="-3">17383000</us-gaap:OtherLiabilities>
  <!--Other liabilities-->
  <!--Payments of Dividends-->
  <us-gaap:PaymentsOfDividends contextRef="c20120101to20121231" unitRef="U001" decimals="0">8310000</us-gaap:PaymentsOfDividends>
  <!--Payments of Dividends-->
  <us-gaap:PaymentsOfDividends contextRef="c20110101to20111231" unitRef="U001" decimals="0">8751000</us-gaap:PaymentsOfDividends>
  <!--Payments of Dividends-->
  <us-gaap:PaymentsOfDividends contextRef="c20100101to20101231" unitRef="U001" decimals="0">8865000</us-gaap:PaymentsOfDividends>
  <!--Payments of Dividends-Parent Company [Member]-->
  <us-gaap:PaymentsOfDividends contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">8310000</us-gaap:PaymentsOfDividends>
  <!--Payments of Dividends-Parent Company [Member]-->
  <us-gaap:PaymentsOfDividends contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">8751000</us-gaap:PaymentsOfDividends>
  <!--Payments of Dividends-Parent Company [Member]-->
  <us-gaap:PaymentsOfDividends contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">8865000</us-gaap:PaymentsOfDividends>
  <!--Loans originated for resale-->
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale contextRef="c20120101to20121231" unitRef="U001" decimals="0">-40606000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <!--Loans originated for resale-->
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale contextRef="c20110101to20111231" unitRef="U001" decimals="0">-34304000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <!--Loans originated for resale-->
  <us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale contextRef="c20100101to20101231" unitRef="U001" decimals="0">-65726000</us-gaap:PaymentsForOriginationOfMortgageLoansHeldForSale>
  <!--Pension expense-->
  <us-gaap:PensionAndOtherPostretirementBenefitExpense contextRef="c20120101to20121231" unitRef="U001" decimals="0">289000</us-gaap:PensionAndOtherPostretirementBenefitExpense>
  <!--Pension expense-->
  <us-gaap:PensionAndOtherPostretirementBenefitExpense contextRef="c20110101to20111231" unitRef="U001" decimals="0">307000</us-gaap:PensionAndOtherPostretirementBenefitExpense>
  <!--Pension expense-->
  <us-gaap:PensionAndOtherPostretirementBenefitExpense contextRef="c20100101to20101231" unitRef="U001" decimals="0">230000</us-gaap:PensionAndOtherPostretirementBenefitExpense>
  <!--Pension and Other Postretirement Benefits Disclosure [Text Block]-->
  <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 13. Employee Benefit Plans&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;401(k) Plan&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank has a defined contribution plan available to substantially all employees who have completed three months of service. Employees may contribute up to IRS-determined limits and the Bank may provide a match to employee contributions not to exceed 3.0% of compensation depending on contribution level. Subject to a vote of the Board of Directors, the Bank may also make a profit-sharing contribution to the Plan. Such contribution equaled 2.0% of each eligible employee's compensation in 2012, 2011, and 2010. The expense related to the 401(k) plan was $363,000, $341,000, and $362,000 in 2012, 2011, and 2010, respectively.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Supplemental Retirement Plan&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank also provides unfunded, non-qualified supplemental retirement benefits for certain officers, payable in installments over 20 years upon retirement or death. The agreements consist of individual contracts with differing characteristics that, when taken together, do not constitute a post-retirement plan. The costs for these benefits are recognized over the service periods of the participating officers in accordance with FASB ASC Topic 712, "Compensation &amp;#8211; Nonretirement Postemployment Benefits". The expense of these supplemental plans was $289,000 in 2012, $307,000 in 2011, and $230,000 in 2010. As of December 31, 2012 and 2011, the accrued liability of these plans was $2,080,000 and $1,847,000, respectively.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Post-Retirement Benefit Plans&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank sponsors two post-retirement benefit plans. One plan currently provides a subsidy for health insurance premiums to certain retired employees and a future subsidy for seven active employees who were age 50 and over in 1996. These subsidies are based on years of service and range between $40 and $1,200 per month per person. The other plan provides life insurance coverage to certain retired employees. The Bank also provides health insurance for retired directors. None of these plans are pre-funded.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Company utilizes FASB ASC Topic 712, "Compensation &amp;#8211; Nonretirement Postemployment Benefits", to&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;recognize the overfunded or underfunded status of a defined benefit post-retirement plan (other than a multiemployer plan) as an asset or liability in its balance sheet and to recognize changes in the funded status in the year in which the changes occur through comprehensive income (loss) of a business entity.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;The following table sets forth the accumulated postretirement benefit obligation and funded status:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Change in benefit obligations&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefit obligation at beginning of year:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,962,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Service cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;107,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;117,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefits paid&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(103,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Actuarial (gain) loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;86,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;62,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(162,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefit obligation at end of year:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,954,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Funded status&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefit obligation at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(1,954,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unamortized prior service cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;186,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;49,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized transition obligation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;34,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;63,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued benefit cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(1,763,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,714,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,684,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Weighted average discount rate as of December 31&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table sets forth the net periodic pension cost:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Components of net periodic benefit cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Service cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;107,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;117,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amortization of unrecognized transition obligation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amortization of prior service credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amortization of accumulated losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net periodic benefit cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;152,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;164,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Weighted average discount rate for net periodic cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The measurement date for benefit obligations was as of year-end for all years presented. The estimated amount of benefits to be paid in 2013 is $102,000. For years ending 2014 through 2017 the estimated amount of benefits to be paid is $104,000, $105,000, $118,000 and $120,000 respectively, and the total estimated amount of benefits to be paid for years ended 2018 through 2022 is $641,000. Plan expense for 2013 is estimated to be $112,000.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In accordance with FASB ASC Topic 715, "Compensation &amp;#8211; Retirement Benefits", amounts not yet reflected in net periodic benefit cost and included in accumulated other comprehensive income (loss) are as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Portion to Be Recognized in&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income in 2013&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unamortized net actuarial loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(186,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(100,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized transition obligation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(34,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(191,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deferred tax benefit (expense) at 35%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;68,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;47,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net unrecognized post-retirement benefits included in accumulated other comprehensive income (loss)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(123,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(87,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes activity in the unrealized gain or loss on postretirement benefits included in other comprehensive income for the years ended December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized postretirement benefits &amp;#160;at beginning of period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(87,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(73,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Change in unrecognized postretirement benefits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Related deferred taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;21,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized postretirement benefits at end of period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(123,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(87,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
  <!--Defined Benefit Plan, Amortization of Gains (Losses)-->
  <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses contextRef="c20120101to20121231" unitRef="U001" decimals="0">0</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
  <!--Defined Benefit Plan, Amortization of Gains (Losses)-->
  <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses contextRef="c20110101to20111231" unitRef="U001" decimals="0">-11000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
  <!--Defined Benefit Plan, Amortization of Gains (Losses)-->
  <us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses contextRef="c20100101to20101231" unitRef="U001" decimals="0">-22000</us-gaap:DefinedBenefitPlanAmortizationOfGainsLosses>
  <!--Amortization of unrecognized transition obligation-->
  <us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets contextRef="c20120101to20121231" unitRef="U001" decimals="0">29000</us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets>
  <!--Amortization of unrecognized transition obligation-->
  <us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets contextRef="c20110101to20111231" unitRef="U001" decimals="0">29000</us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets>
  <!--Amortization of unrecognized transition obligation-->
  <us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets contextRef="c20100101to20101231" unitRef="U001" decimals="0">29000</us-gaap:DefinedBenefitPlanAmortizationOfTransitionObligationsAssets>
  <!--Benefits paid-->
  <us-gaap:DefinedBenefitPlanBenefitsPaid contextRef="c20120101to20121231" unitRef="U001" decimals="0">-103000</us-gaap:DefinedBenefitPlanBenefitsPaid>
  <!--Benefits paid-->
  <us-gaap:DefinedBenefitPlanBenefitsPaid contextRef="c20110101to20111231" unitRef="U001" decimals="0">-134000</us-gaap:DefinedBenefitPlanBenefitsPaid>
  <!--Benefits paid-->
  <us-gaap:DefinedBenefitPlanBenefitsPaid contextRef="c20100101to20101231" unitRef="U001" decimals="0">-136000</us-gaap:DefinedBenefitPlanBenefitsPaid>
  <!--Accrued benefit cost at end of period-->
  <us-gaap:DefinedBenefitPlanFundedStatusOfPlan contextRef="c20121231" unitRef="U001" decimals="0">-1763000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
  <!--Accrued benefit cost at end of period-->
  <us-gaap:DefinedBenefitPlanFundedStatusOfPlan contextRef="c20111231" unitRef="U001" decimals="0">-1714000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
  <!--Accrued benefit cost at end of period-->
  <us-gaap:DefinedBenefitPlanFundedStatusOfPlan contextRef="c20101231" unitRef="U001" decimals="0">-1684000</us-gaap:DefinedBenefitPlanFundedStatusOfPlan>
  <!--Interest cost-->
  <us-gaap:DefinedBenefitPlanInterestCost contextRef="c20120101to20121231" unitRef="U001" decimals="0">107000</us-gaap:DefinedBenefitPlanInterestCost>
  <!--Interest cost-->
  <us-gaap:DefinedBenefitPlanInterestCost contextRef="c20110101to20111231" unitRef="U001" decimals="0">112000</us-gaap:DefinedBenefitPlanInterestCost>
  <!--Interest cost-->
  <us-gaap:DefinedBenefitPlanInterestCost contextRef="c20100101to20101231" unitRef="U001" decimals="0">117000</us-gaap:DefinedBenefitPlanInterestCost>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), Net Gains (Losses), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax contextRef="c20121231" unitRef="U001" decimals="0">186000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), Net Gains (Losses), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax contextRef="c20111231" unitRef="U001" decimals="0">100000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), Net Gains (Losses), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax contextRef="c20131231" unitRef="U001" decimals="0">-14000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax>
  <!--Defined Benefit Plan, Net Periodic Benefit Cost-->
  <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c20120101to20121231" unitRef="U001" decimals="0">152000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
  <!--Defined Benefit Plan, Net Periodic Benefit Cost-->
  <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c20110101to20111231" unitRef="U001" decimals="0">164000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
  <!--Defined Benefit Plan, Net Periodic Benefit Cost-->
  <us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost contextRef="c20100101to20101231" unitRef="U001" decimals="0">183000</us-gaap:DefinedBenefitPlanNetPeriodicBenefitCost>
  <!--Service cost-->
  <us-gaap:DefinedBenefitPlanServiceCost contextRef="c20120101to20121231" unitRef="U001" decimals="0">16000</us-gaap:DefinedBenefitPlanServiceCost>
  <!--Service cost-->
  <us-gaap:DefinedBenefitPlanServiceCost contextRef="c20110101to20111231" unitRef="U001" decimals="0">12000</us-gaap:DefinedBenefitPlanServiceCost>
  <!--Service cost-->
  <us-gaap:DefinedBenefitPlanServiceCost contextRef="c20100101to20101231" unitRef="U001" decimals="0">15000</us-gaap:DefinedBenefitPlanServiceCost>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), Net Transition Assets (Obligations), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax contextRef="c20121231" unitRef="U001" decimals="0">5000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), Net Transition Assets (Obligations), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax contextRef="c20111231" unitRef="U001" decimals="0">34000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), Net Transition Assets (Obligations), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax contextRef="c20131231" unitRef="U001" decimals="0">-5000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax>
  <!--Defined Benefit Plan, Benefit Obligation-->
  <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c20111231" unitRef="U001" decimals="0">1848000</us-gaap:DefinedBenefitPlanBenefitObligation>
  <!--Defined Benefit Plan, Benefit Obligation-->
  <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c20101231" unitRef="U001" decimals="0">1796000</us-gaap:DefinedBenefitPlanBenefitObligation>
  <!--Defined Benefit Plan, Benefit Obligation-->
  <us-gaap:DefinedBenefitPlanBenefitObligation contextRef="c20091231" unitRef="U001" decimals="0">1962000</us-gaap:DefinedBenefitPlanBenefitObligation>
  <!--Defined Benefit Plan, Benefit Obligation-->
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  <!--Post-Retirement Benefits-->
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  <!--Perferred stock, preference value per share-->
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  <!--Proceeds from sale of common stock-Preferred Stock [Member]-->
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  <!--Proceeds from sale of common stock-Common stock and additional paid-in capital [Member]-->
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  <!--Proceeds from sale of common stock-Retained earnings [Member]-->
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  <!--Proceeds from sale of common stock-Accumulated other comprehensive income (loss) [Member]-->
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  <!--Proceeds from sale of common stock-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20100101to20101231" unitRef="U001" decimals="0">416000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Preferred Stock [Member]-->
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  <!--Proceeds from sale of common stock-Common stock and additional paid-in capital [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">431000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Retained earnings [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">0</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20110101to20111231" unitRef="U001" decimals="0">431000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Preferred Stock [Member]-->
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  <!--Proceeds from sale of common stock-Common stock and additional paid-in capital [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20120101to20121231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">499000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Retained earnings [Member]-->
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  <!--Proceeds from sale of common stock-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20120101to20121231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20120101to20121231" unitRef="U001" decimals="0">499000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Parent Company [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">499000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Parent Company [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">431000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from sale of common stock-Parent Company [Member]-->
  <us-gaap:ProceedsFromIssuanceOfCommonStock contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">416000</us-gaap:ProceedsFromIssuanceOfCommonStock>
  <!--Proceeds from issuance of CPP Shares-->
  <us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock contextRef="c20120101to20121231" unitRef="U001" decimals="-6">25000000</us-gaap:ProceedsFromIssuanceOfPreferredStockAndPreferenceStock>
  <!--Advances on long-term borrowings-->
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  <!--Advances on long-term borrowings-->
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  <!--Advances on long-term borrowings-->
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  <!--Proceeds from maturities, payments, calls of securities available for sale-->
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c20120101to20121231" unitRef="U001" decimals="0">61776000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <!--Proceeds from maturities, payments, calls of securities available for sale-->
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c20110101to20111231" unitRef="U001" decimals="0">42756000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <!--Proceeds from maturities, payments, calls of securities available for sale-->
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c20100101to20101231" unitRef="U001" decimals="0">101223000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <!--Proceeds from maturities, payments, calls of securities available for sale-Parent Company [Member]-->
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">0</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <!--Proceeds from maturities, payments, calls of securities available for sale-Parent Company [Member]-->
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">12773000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <!--Proceeds from maturities, payments, calls of securities available for sale-Parent Company [Member]-->
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">0</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities>
  <!--Proceeds from maturities, payments, calls of securities held to maturity-->
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  <!--Proceeds from maturities, payments, calls of securities held to maturity-->
  <us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities contextRef="c20110101to20111231" unitRef="U001" decimals="0">28644000</us-gaap:ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities>
  <!--Proceeds from maturities, payments, calls of securities held to maturity-->
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  <!--Proceeds from sales of securities available for sale-->
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="c20120101to20121231" unitRef="U001" decimals="0">26437000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <!--Proceeds from sales of securities available for sale-->
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="c20110101to20111231" unitRef="U001" decimals="0">140417000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <!--Proceeds from sales of securities available for sale-->
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="c20100101to20101231" unitRef="U001" decimals="0">202000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <!--Proceeds from sales of other real estate owned-->
  <us-gaap:ProceedsFromSaleOfForeclosedAssets contextRef="c20120101to20121231" unitRef="U001" decimals="0">3345000</us-gaap:ProceedsFromSaleOfForeclosedAssets>
  <!--Proceeds from sales of other real estate owned-->
  <us-gaap:ProceedsFromSaleOfForeclosedAssets contextRef="c20110101to20111231" unitRef="U001" decimals="0">5124000</us-gaap:ProceedsFromSaleOfForeclosedAssets>
  <!--Proceeds from sales of other real estate owned-->
  <us-gaap:ProceedsFromSaleOfForeclosedAssets contextRef="c20100101to20101231" unitRef="U001" decimals="0">3722000</us-gaap:ProceedsFromSaleOfForeclosedAssets>
  <!--Proceeds from sales and transfers of loans-->
  <us-gaap:ProceedsFromSaleOfLoansHeldForSale contextRef="c20120101to20121231" unitRef="U001" decimals="0">39571000</us-gaap:ProceedsFromSaleOfLoansHeldForSale>
  <!--Proceeds from sales and transfers of loans-->
  <us-gaap:ProceedsFromSaleOfLoansHeldForSale contextRef="c20110101to20111231" unitRef="U001" decimals="0">37110000</us-gaap:ProceedsFromSaleOfLoansHeldForSale>
  <!--Proceeds from sales and transfers of loans-->
  <us-gaap:ProceedsFromSaleOfLoansHeldForSale contextRef="c20100101to20101231" unitRef="U001" decimals="0">65796000</us-gaap:ProceedsFromSaleOfLoansHeldForSale>
  <!--Premises and equipment, gross-Land [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20121231_PropertyPlantAndEquipmentByTypeAxis_LandMember" unitRef="U001" decimals="0">4532000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-Land [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20111231_PropertyPlantAndEquipmentByTypeAxis_LandMember" unitRef="U001" decimals="0">4123000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-Land Improvements [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20121231_PropertyPlantAndEquipmentByTypeAxis_LandImprovementsMember" unitRef="U001" decimals="0">781000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-Land Improvements [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20111231_PropertyPlantAndEquipmentByTypeAxis_LandImprovementsMember" unitRef="U001" decimals="0">693000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-Building [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20121231_PropertyPlantAndEquipmentByTypeAxis_BuildingMember" unitRef="U001" decimals="0">18958000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-Building [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20111231_PropertyPlantAndEquipmentByTypeAxis_BuildingMember" unitRef="U001" decimals="0">15415000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-Equipment [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20121231_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="U001" decimals="0">11592000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-Equipment [Member]-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20111231_PropertyPlantAndEquipmentByTypeAxis_EquipmentMember" unitRef="U001" decimals="0">10201000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20121231" unitRef="U001" decimals="0">35863000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, gross-->
  <us-gaap:PropertyPlantAndEquipmentGross contextRef="c20111231" unitRef="U001" decimals="0">30432000</us-gaap:PropertyPlantAndEquipmentGross>
  <!--Premises and equipment, net-->
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="c20121231" unitRef="U001" decimals="0">22988000</us-gaap:PropertyPlantAndEquipmentNet>
  <!--Premises and equipment, net-->
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="c20111231" unitRef="U001" decimals="0">18842000</us-gaap:PropertyPlantAndEquipmentNet>
  <!--Premises and equipment, net-Parent Company [Member]-->
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  <!--Premises and equipment, net-Parent Company [Member]-->
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">26000</us-gaap:PropertyPlantAndEquipmentNet>
  <!--Property, Plant and Equipment, Policy [Policy Text Block]-->
  <us-gaap:PropertyPlantAndEquipmentPolicyTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Premises and Equipment&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Premises, furniture and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed by straight-line and accelerated methods over the asset's estimated useful life.&lt;/div&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentPolicyTextBlock>
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  <!--Provision for loan losses-->
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  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20100101to20101231" unitRef="U001" decimals="0">8400000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20110101to20110331" unitRef="U001" decimals="-3">2100000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20110401to20110630" unitRef="U001" decimals="-3">2000000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20110701to20110930" unitRef="U001" decimals="-3">1500000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20111001to20111231" unitRef="U001" decimals="-3">4950000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20120101to20120331" unitRef="U001" decimals="-3">2100000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20120401to20120630" unitRef="U001" decimals="-3">2800000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20120701to20120930" unitRef="U001" decimals="-3">1400000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for loan losses-->
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="c20121001to20121231" unitRef="U001" decimals="-3">1535000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <!--Provision for losses on other real estate owned-->
  <us-gaap:ProvisionForOtherLosses contextRef="c20120101to20121231" unitRef="U001" decimals="0">397000</us-gaap:ProvisionForOtherLosses>
  <!--Provision for losses on other real estate owned-->
  <us-gaap:ProvisionForOtherLosses contextRef="c20110101to20111231" unitRef="U001" decimals="0">1284000</us-gaap:ProvisionForOtherLosses>
  <!--Provision for losses on other real estate owned-->
  <us-gaap:ProvisionForOtherLosses contextRef="c20100101to20101231" unitRef="U001" decimals="0">352000</us-gaap:ProvisionForOtherLosses>
  <!--Payments to Acquire Available-for-sale Securities-->
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities contextRef="c20120101to20121231" unitRef="U001" decimals="0">93378000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <!--Payments to Acquire Available-for-sale Securities-->
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities contextRef="c20110101to20111231" unitRef="U001" decimals="0">161386000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <!--Payments to Acquire Available-for-sale Securities-->
  <us-gaap:PaymentsToAcquireAvailableForSaleSecurities contextRef="c20100101to20101231" unitRef="U001" decimals="0">316453000</us-gaap:PaymentsToAcquireAvailableForSaleSecurities>
  <!--Payments to Acquire Held-to-maturity Securities-->
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities contextRef="c20120101to20121231" unitRef="U001" decimals="0">74743000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <!--Payments to Acquire Held-to-maturity Securities-->
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities contextRef="c20110101to20111231" unitRef="U001" decimals="0">44424000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <!--Payments to Acquire Held-to-maturity Securities-->
  <us-gaap:PaymentsToAcquireHeldToMaturitySecurities contextRef="c20100101to20101231" unitRef="U001" decimals="0">1363000</us-gaap:PaymentsToAcquireHeldToMaturitySecurities>
  <!--Payments to Acquire Property, Plant, and Equipment-->
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  <!--Payments to Acquire Property, Plant, and Equipment-->
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="c20110101to20111231" unitRef="U001" decimals="0">1222000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <!--Payments to Acquire Property, Plant, and Equipment-->
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="c20100101to20101231" unitRef="U001" decimals="0">2043000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <!--Payments to Acquire Property, Plant, and Equipment-Parent Company [Member]-->
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">25000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <!--Payments to Acquire Property, Plant, and Equipment-Parent Company [Member]-->
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">29000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <!--Payments to Acquire Property, Plant, and Equipment-Parent Company [Member]-->
  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">10000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <!--Payments for (Proceeds from) Investments-Parent Company [Member]-->
  <us-gaap:PaymentsForProceedsFromInvestments contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">0</us-gaap:PaymentsForProceedsFromInvestments>
  <!--Payments for (Proceeds from) Investments-Parent Company [Member]-->
  <us-gaap:PaymentsForProceedsFromInvestments contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">273000</us-gaap:PaymentsForProceedsFromInvestments>
  <!--Payments for (Proceeds from) Investments-Parent Company [Member]-->
  <us-gaap:PaymentsForProceedsFromInvestments contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">0</us-gaap:PaymentsForProceedsFromInvestments>
  <!--Real estate acquired in settlement of loans-->
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  <!--Real estate acquired in settlement of loans-->
  <us-gaap:RealEstateAcquiredThroughForeclosure contextRef="c20111231" unitRef="U001" decimals="0">4094000</us-gaap:RealEstateAcquiredThroughForeclosure>
  <!--Real Estate Owned [Text Block]-->
  <us-gaap:RealEstateOwnedTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following summarizes other real estate owned:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of &amp;#160;December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Real estate acquired in settlement of loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;7,593,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,094,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Changes in the allowance for losses from other real estate owned were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;132,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;583,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses charged to allowance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(460,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(980,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(803,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Provision charged to operating expenses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;397,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;352,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;373,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;132,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:RealEstateOwnedTextBlock>
  <!--Real Estate Owned, Valuation Allowance-->
  <us-gaap:RealEstateOwnedValuationAllowance contextRef="c20111231" unitRef="U001" decimals="0">436000</us-gaap:RealEstateOwnedValuationAllowance>
  <!--Real Estate Owned, Valuation Allowance-->
  <us-gaap:RealEstateOwnedValuationAllowance contextRef="c20101231" unitRef="U001" decimals="0">132000</us-gaap:RealEstateOwnedValuationAllowance>
  <!--Real Estate Owned, Valuation Allowance-->
  <us-gaap:RealEstateOwnedValuationAllowance contextRef="c20091231" unitRef="U001" decimals="0">583000</us-gaap:RealEstateOwnedValuationAllowance>
  <!--Real Estate Owned, Valuation Allowance-->
  <us-gaap:RealEstateOwnedValuationAllowance contextRef="c20121231" unitRef="U001" decimals="0">373000</us-gaap:RealEstateOwnedValuationAllowance>
  <!--Losses charged to allowance-->
  <us-gaap:RealEstateOwnedValuationAllowanceAmountsApplied contextRef="c20120101to20121231" unitRef="U001" decimals="0">-460000</us-gaap:RealEstateOwnedValuationAllowanceAmountsApplied>
  <!--Losses charged to allowance-->
  <us-gaap:RealEstateOwnedValuationAllowanceAmountsApplied contextRef="c20110101to20111231" unitRef="U001" decimals="0">-980000</us-gaap:RealEstateOwnedValuationAllowanceAmountsApplied>
  <!--Losses charged to allowance-->
  <us-gaap:RealEstateOwnedValuationAllowanceAmountsApplied contextRef="c20100101to20101231" unitRef="U001" decimals="0">-803000</us-gaap:RealEstateOwnedValuationAllowanceAmountsApplied>
  <!--Provision charged to operating expenses-->
  <us-gaap:RealEstateOwnedValuationAllowanceProvision contextRef="c20120101to20121231" unitRef="U001" decimals="0">397000</us-gaap:RealEstateOwnedValuationAllowanceProvision>
  <!--Provision charged to operating expenses-->
  <us-gaap:RealEstateOwnedValuationAllowanceProvision contextRef="c20110101to20111231" unitRef="U001" decimals="0">1284000</us-gaap:RealEstateOwnedValuationAllowanceProvision>
  <!--Provision charged to operating expenses-->
  <us-gaap:RealEstateOwnedValuationAllowanceProvision contextRef="c20100101to20101231" unitRef="U001" decimals="0">352000</us-gaap:RealEstateOwnedValuationAllowanceProvision>
  <!--Loans, Notes, Trade and Other Receivables Disclosure [Text Block]-->
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 5. Loans&lt;/u&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows the composition of the Company's loan portfolio as of December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;28.9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2.6&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.8&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;9.3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10.1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1.9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;379,447,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;43.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;341,286,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;39.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;0.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,469,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1.2&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;99,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;11.4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;105,244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12.1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1.9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;869,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;100.0&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;864,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;100.0&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loan balances include net deferred loan costs of $1,783,000 in 2012 and $1,386,000 in 2011. Pursuant to collateral agreements, qualifying first mortgage loans, which were valued at $256,378,000 and $211,597,000 at December 31, 2012 and 2011, respectively, were used to collateralize borrowings from the Federal Home Loan Bank of Boston. In addition, commercial, construction and home equity loans totaling $220,520,000 at December 31, 2012 were used to collateralize a standby line of credit at the Federal Reserve Bank of Boston that is currently unused.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31, 2012 and 2011, non-accrual loans were $19,150,000 and $27,806,000, respectively. As of December 31, 2012, 2011 and 2010, interest income which would have been recognized on these loans, if interest had been accrued, was $1,158,000, $1,052,000, and $1,334,000, respectively. Loans more than 90 days past due accruing interest totaled $1,051,000 at December 31, 2012 and $1,170,000 at December 31, 2011. The Company continues to&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;accrue interest on these loans because it believes collection of principal and interest is reasonably assured.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Loans to directors, officers and employees totaled $28,707,000 at December 31, 2012 and $37,935,000 at December 31, 2011. A summary of loans to directors and executive officers, which in the aggregate exceed $60,000, is as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;24,551,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;25,525,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;New loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;275,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;237,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Repayments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(9,909,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,211,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;14,917,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,551,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information on the past-due status of loans as of December 31, 2012, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;30-59 Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;60-89&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Current&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;amp;&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Accruing&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;346,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,380,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,898,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;246,437,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;102,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;35,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,353,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;218,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,306,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;78,001,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,568,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,404,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,298,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,784,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;366,663,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;379,447,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;363,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;188,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;188,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;430,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;133,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,699,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;97,383,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;70,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;45,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;216,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,441,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;45,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,089,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,878,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,200,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,167,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;846,117,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;869,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,051,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information on the past-due status of loans as of December 31, 2011, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;30-59 Days Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;60-89 Days Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Current&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days &amp;amp; Accruing&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,367,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,505,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,992,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,864,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;248,560,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;174,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,777,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;30,797,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;665,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;766,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,192,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,623,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;84,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;52,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,933,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,398,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,843,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,174,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;329,112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;341,286,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,118,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,469,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;480,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;103,630,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;105,244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;230,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;347,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,441,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,675,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,944,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,978,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,597,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;838,391,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;864,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,170,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For all classes, loans are placed on non-accrual status when, based on current information and events, it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement or when principal and interest is 90 days or more past due unless the loan is both well secured and in the process of collection (in which case the loan may continue to accrue interest in spite of its past due status). A loan is "well secured" if it is secured (1) by collateral in the form of liens on or pledges of real or personal property, including securities, that have a realizable value sufficient to discharge the debt (including accrued interest) in full, or (2) by the guarantee of a financially responsible party. A loan is "in the process of collection" if collection of the loan is&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;proceeding in due course either (1) through legal action, including judgment enforcement procedures, or, (2) in appropriate circumstances, through collection efforts not involving legal action which are reasonably expected to result in repayment of the debt or in its restoration to a current status in the near future.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information on nonaccrual loans as of December 31, 2012 and 2011 is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;As of December 31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;4,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,064,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;3,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,784,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;10,333,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,194,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;19,150,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;27,806,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information regarding impaired loans is as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Average investment in impaired loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;45,019,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,777,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;25,836,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest income recognized on impaired loans, all on cash basis&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,039,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;598,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance of impaired loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;45,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less portion for which no allowance for loan losses is allocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(28,282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(27,897,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Portion of impaired loan balance for which an allowance for loan losses is allocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;17,462,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,223,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Portion of allowance for loan losses allocated to the impaired loan balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Impaired loans include restructured loans and loans placed on non-accrual. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. If the measure of an impaired loan is lower than the recorded investment in the loan and estimated selling costs, a specific reserve is established for the difference, or, in certain situations, if the measure of an impaired loan is lower than the recorded investment in the loan and estimated selling costs, the difference is written off.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;A breakdown of impaired loans by category as of December 31, 2012, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Principal Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related Allowance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recognized Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Income&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With No Related Allowance&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,386,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,963,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,102,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;115,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,533,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,737,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,345,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,877,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,747,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,440,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,801,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;189,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;560,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,311,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,440,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;31,303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;26,837,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With an Allowance Recorded&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,388,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,018,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;211,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,253,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,253,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,124,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,126,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,974,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;38,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,697,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,066,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;237,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;261,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;442,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;17,462,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,239,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;571,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Total&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,774,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,981,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,716,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;410,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,354,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,368,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,349,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,861,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,471,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,851,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,444,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;21,282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,867,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;426,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,311,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,440,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,403,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;45,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;49,542,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;45,019,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,039,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Substantially all interest income recognized on impaired loans for all classes of financing receivables was recognized on a cash basis as received.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;A breakdown of impaired loans by category as of December 31, 2011, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Principal Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related Allowance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recognized Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Income&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With No Related Allowance&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,212,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,072,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,022,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,022,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,918,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,875,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,875,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,493,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;54,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;739,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;739,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;39,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,897,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,897,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,341,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;248,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With an Allowance Recorded&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,557,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,557,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,307,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;103,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;530,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;530,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;247,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,020,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,020,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,946,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,946,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,628,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;228,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;730,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;730,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;272,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,223,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,223,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Total&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,519,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;126,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,702,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,702,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,318,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,042,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,042,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,600,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;47,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,121,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,205,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;918,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;96,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,777,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;598,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <!--Loans-->
  <us-gaap:FinanceLoansAndLeasesReceivablePolicy contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loans&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans are generally reported at their outstanding principal balances, adjusted for chargeoffs, the allowance for loan losses and any deferred fees or costs to originate loans. Loan commitments are recorded when funded.&lt;/div&gt;&lt;/div&gt;</us-gaap:FinanceLoansAndLeasesReceivablePolicy>
  <!--Loans Held for Sale-->
  <us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loans Held for Sale&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans held for sale consist of residential real estate mortgage loans and are carried at the lower of aggregate cost or market value, as determined by current investor yield requirements.&lt;/div&gt;&lt;/div&gt;</us-gaap:FinanceLoanAndLeaseReceivablesHeldForSalePolicy>
  <!--Repayments of Long-term Debt-->
  <us-gaap:RepaymentsOfLongTermDebt contextRef="c20120101to20121231" unitRef="U001" decimals="0">0</us-gaap:RepaymentsOfLongTermDebt>
  <!--Repayments of Long-term Debt-->
  <us-gaap:RepaymentsOfLongTermDebt contextRef="c20110101to20111231" unitRef="U001" decimals="0">30000000</us-gaap:RepaymentsOfLongTermDebt>
  <!--Repayments of Long-term Debt-->
  <us-gaap:RepaymentsOfLongTermDebt contextRef="c20100101to20101231" unitRef="U001" decimals="0">50000000</us-gaap:RepaymentsOfLongTermDebt>
  <!--Range of Repurchase agreements' maturity dates-->
  <us-gaap:RepurchaseAgreementsMaturities contextRef="c20120101to20121231">one to 365</us-gaap:RepurchaseAgreementsMaturities>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-Preferred Stock [Member]-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">12500000</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-Common stock and additional paid-in capital [Member]-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">0</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-Retained earnings [Member]-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">0</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20110101to20111231" unitRef="U001" decimals="0">12500000</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20120101to20121231" unitRef="U001" decimals="0">0</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-Parent Company [Member]-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">0</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-Parent Company [Member]-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">12500000</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Payments for Repurchase of Preferred Stock and Preference Stock-Parent Company [Member]-->
  <us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">0</us-gaap:PaymentsForRepurchaseOfPreferredStockAndPreferenceStock>
  <!--Retained earnings-->
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c20121231" unitRef="U001" decimals="0">89692000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <!--Retained earnings-->
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c20111231" unitRef="U001" decimals="0">85314000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <!--Retained earnings-Parent Company [Member]-->
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">97509000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <!--Retained earnings-Parent Company [Member]-->
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">92694000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <!--Schedule of business acquisitions-->
  <us-gaap:ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;On October 26, 2012, the Bank completed the purchase of a branch at 63 Union Street in Rockland, Maine, from Camden National Bank that was formerly operated by Bank of America. As part of the transaction, the Bank acquired approximately $32.3 million in deposits as well as a small volume of loans. On the same date, the Bank completed the purchase of a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National Bank, and opened a full-service branch in this building in February of 2013. The acquisition allows the Bank to expand its community banking franchise into eastern Maine and expand its presence in Rockland, Maine. The acquisition-date estimated fair values of assets acquired and liabilities assumed in Rockland and Bangor were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;25,297,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;224,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Bank premises and equipment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,776,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest receivable and other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Core deposit intangible&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Goodwill&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,121,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;31,858,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest and other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock>
  <!--Premises and Equipment-->
  <us-gaap:PropertyPlantAndEquipmentTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Premises and equipment are carried at cost and consist of the following:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Land&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4,532,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,123,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Land improvements&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;781,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;693,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Buildings&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;18,958,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,415,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Equipment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;11,592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,201,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;35,863,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less accumulated depreciation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;12,875,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,590,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;22,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentTextBlock>
  <!--Subsequent Events-->
  <us-gaap:ScheduleOfSubsequentEventsTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Subsequent Events&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Events occurring subsequent to December 31, 2012, have been evaluated as to their potential impact to the financial statements.&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfSubsequentEventsTextBlock>
  <!--Mortgage servicing rights-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20121231" unitRef="U001" decimals="0">1228000</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20111231" unitRef="U001" decimals="0">1581000</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Inputs, Level 1 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">1228000</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Inputs, Level 3 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20121231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">1228000</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Inputs, Level 1 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">1581000</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Inputs, Level 3 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:ServicingAssetAtFairValueAmount contextRef="c20111231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">1581000</us-gaap:ServicingAssetAtFairValueAmount>
  <!--Mortgage servicing rights-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
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  <!--Summary of Significant Accounting Policies-->
  <us-gaap:SignificantAccountingPoliciesTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 1. Summary of Significant Accounting Policies&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Principles of Consolidation&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The consolidated financial statements include the accounts of the Company and the Bank. All intercompany accounts and transactions have been eliminated in consolidation.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Subsequent Events&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Events occurring subsequent to December 31, 2012, have been evaluated as to their potential impact to the financial statements.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Use of Estimates in Preparation of Financial Statements&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In preparing the financial statements in accordance with accounting principles generally accepted in the United States of America, Management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the date of the balance sheet and revenues and expenses for the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, goodwill, the valuation of mortgage servicing rights, and other-than-temporary impairment of securities.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Investment Securities&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investment securities are classified as available for sale or held to maturity when purchased. There are no trading account securities. Securities available for sale consist primarily of debt securities which Management intends to hold for indefinite periods of time. They may be used as part of the Bank's funds management strategy, and may be sold in response to changes in interest rates or prepayment risk, changes in liquidity needs, or for other reasons. They are accounted for at fair value, with unrealized gains or losses adjusted through shareholders' equity, net of related income taxes. Securities to be held to maturity consist primarily of debt securities which Management has acquired solely for long-term investment purposes, rather than for purposes of trading or future sale. For securities to be held to maturity, Management has the intent and the Bank has the ability to hold such securities until their respective maturity dates. Such securities are carried at cost adjusted for the amortization of premiums and accretion of discounts. Investment securities transactions are accounted for on a settlement date basis; reported amounts would not be materially different from those accounted for on a trade date basis. Gains and losses on the sales of investment securities are determined using the amortized cost of the security. For declines in the fair value of individual debt securities available for sale below their cost that are deemed to be other than temporary, where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security before recovery of its amortized cost basis, the other-than-temporary decline in the fair value of the debt security related to 1) credit loss is recognized in earnings and 2) other factors is recognized in other comprehensive income or loss. Credit loss is deemed to exist if the present value of expected future cash flows using the effective rate at acquisition is less than the amortized cost basis of the debt security. For individual debt securities where the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the security's cost basis and its fair value at the balance sheet date.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loans Held for Sale&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans held for sale consist of residential real estate mortgage loans and are carried at the lower of aggregate cost or market value, as determined by current investor yield requirements.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loans&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans are generally reported at their outstanding principal balances, adjusted for chargeoffs, the allowance for loan losses and any deferred fees or costs to originate loans. Loan commitments are recorded when funded.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loan Fees and Costs&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loan origination fees and certain direct loan origination costs are deferred and recognized in interest income as an adjustment to the loan yield over the life of the related loans. The unamortized net deferred fees and costs are included on the balance sheets with the related loan balances, and the amortization is included with the related interest income.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Allowance for Loan Losses&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans considered to be uncollectible are charged against the allowance for loan losses. The allowance for loan losses is maintained at a level determined by Management to be appropriate to absorb probable losses. This allowance is increased by provisions charged to operating expenses and recoveries on loans previously charged off. Arriving at an appropriate level of allowance for loan losses necessarily involves a high degree of judgment. In determining the appropriate level of allowance for loan losses, Management takes into consideration several factors, including reviews of individual non-performing loans and performing loans listed on the watch report requiring periodic evaluation, loan portfolio size by category, recent loss experience, delinquency trends and current economic conditions. For all loan classes, loans over 30 days past due are considered delinquent. Impaired loans include restructured loans and loans placed on non-accrual status when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreement. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. Management takes into consideration impaired loans in addition to the above mentioned factors in determining the appropriate level of allowance for loan losses.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Troubled Debt Restructured&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;A troubled debt restructured ("TDR") constitutes a restructuring of debt if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan to first determine if the borrower demonstrates financial difficulty. Common indicators of this include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender. If the borrower is experiencing financial difficulty and concessions are granted, such as maturity date extension, interest rate adjustments to below market pricing, or a deferment of payments, the loan will generally be classified as a TDR.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Goodwill and Identified Intangible Assets&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Intangible assets include the excess of the purchase price over the fair value of net assets acquired (goodwill) from the acquisition of FNB Bankshares in 2005 as well as the core deposit intangible related to the same acquisition. The core deposit intangible is amortized on a straight-line basis over ten years. Annual amortization expense for 2012, 2011 and 2010 was $283,000 and the amortization expense for each year until fully amortized will be $283,000. Intangible assets also include the goodwill and core deposit intangible from the 2012 acquisition of a bank branch in Rockland, Maine and a bank building in Bangor, Maine. The core deposit intangible will be amortized on a straight-line basis over ten years. Annual amortization expense for each year until fully amortized will be $43,000. The straight-line basis is used because the Company does not expect significant run off in the core deposits acquired. The Company annually evaluates goodwill, and periodically evaluates other intangible assets for impairment on the basis of whether these assets are fully recoverable from projected, undiscounted net cash flows of the acquired company. At December 31, 2012, the Company determined goodwill and other intangible assets were not impaired.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Income Taxes&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between financial statement carrying amounts of assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period the change is enacted.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Accrual of Interest Income and Expense&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest on loans and investment securities is taken into income using methods which relate the income earned to the balances of loans and investment securities outstanding. Interest expense on liabilities is derived by applying applicable interest rates to principal amounts outstanding. For all classes of loans, recording of interest income on problem loans, which includes impaired loans, ceases when collectibility of principal and interest within a reasonable period of time becomes doubtful. Cash payments received on non-accrual loans, which includes impaired loans, are applied to reduce the loan's principal balance until the remaining principal balance is deemed collectible, after which interest is recognized when collected. As a general rule, a loan may be restored to accrual status when payments are current for a substantial period of time, generally six months, and repayment of the remaining contractual amounts is expected or when it otherwise becomes well secured and in the process of collection.&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Premises and Equipment&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Premises, furniture and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed by straight-line and accelerated methods over the asset's estimated useful life.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other Real Estate Owned (OREO)&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Real estate acquired by foreclosure or deed in lieu of foreclosure is transferred to OREO and recorded at fair value, less estimated costs to sell, based on appraised value at the date actually or constructively received. Loan losses arising from the acquisition of such property are charged against the allowance for loan losses. Subsequent provisions to reduce the carrying value of a property are recorded to the allowance for OREO losses and a charge to operations on a specific property basis.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Earnings Per Share&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic earnings per share data are based on the weighted average number of common shares outstanding during each year. Diluted earnings per share gives effect to restricted stock granted and stock options and warrants outstanding, determined by the treasury stock method.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Post-Retirement Benefits&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The cost of providing post-retirement benefits is accrued during the active service period of the employee or director.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Comprehensive Income&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Comprehensive income includes net income and other comprehensive income (loss), which is comprised of the change in unrealized gains and losses on securities available for sale, net of tax, and unrecognized gains and loss related to post-retirement benefit costs, net of tax.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Segments&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The First Bancorp, Inc., through the branches of its subsidiary, The First, N.A., provides a broad range of financial services to individuals and companies in coastal Maine. These services include demand, time, and savings deposits; lending; ATM processing; and investment management and trust services. Operations are managed and financial performance is evaluated on a corporate-wide basis. Accordingly, all of the Company's banking operations are considered by Management to be aggregated in one reportable operating segment.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loan Servicing&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Servicing rights are recognized when they are acquired through sale of loans. Capitalized servicing rights are reported in other assets and are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights by predominant characteristics, such as interest rates and terms. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that fair value is less than the capitalized amount for the stratum.&lt;/div&gt;&lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
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The CPP Shares call for cumulative dividends at a rate of 5.0% per year for the first five years, and at a rate of 9.0% per year in following years, payable quarterly in arrears on February 15, May 15, August&amp;#160;15 and November 15 of each year.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;On August 24, 2011, the Company repurchased $12.5 million of the CPP Shares. The repurchase transaction was approved by the Federal Reserve Bank of Boston, the Company's primary regulator, as well as the Bank's primary regulator, the Office of the Comptroller of the Currency, based on continued strong capital ratios after the repayment. Almost all of the repayment was made from retained earnings accumulated since the preferred stock was issued in 2009. After the repurchase, $12.5 million of the CPP shares remains outstanding. The Company may redeem the remaining CPP Shares at any time using any funds available, subject to the prior approval of the Federal Reserve Bank of Boston. The CPP Shares are "perpetual" preferred stock, which means that neither Treasury nor any subsequent holder would have a right to require that the Company redeem any of the shares.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Incident to such issuance, the Company issued to the U.S. Treasury warrants (the "Warrants") to purchase up to 225,904 shares of the Company's common stock at a price per share of $16.60 (subject to adjustment). The CPP Shares and the related Warrants (and any shares of common stock issuable pursuant to the Warrants) are freely transferable by Treasury to third parties and the Company has filed a registration statement with the Securities and Exchange Commission to allow for possible resale of such securities. The CPP Shares qualify as Tier 1 capital on the Company's books for regulatory purposes and rank senior to the Company's common stock and senior or at an equal level in the Company's capital structure to any other shares of preferred stock the Company may issue in the future.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Warrants issued in conjunction with the sale of the CPP Shares have a term of ten years and could be exercised by Treasury or a subsequent holder at any time or from time to time during their term. To the extent they had not previously been exercised, the Warrants would expire after ten years. Treasury will not vote any shares of common stock it receives upon exercise of the Warrants, but that restriction would not apply to third parties to whom Treasury transferred the Warrants. The Warrants (and any common stock issued upon exercise of the Warrants) could be transferred to third parties separately from the CPP Shares. The proceeds from the sale of the CPP Shares were allocated between the CPP Shares and Warrants based on their relative fair values on the issue date. The fair value of the Warrants was determined using the Black-Scholes model which includes the following assumptions: common stock price of $16.60 per share, dividend yield of 4.70%, stock price volatility of 24.43%, and a risk-free interest rate of 2.01%. The discount on the CPP Shares was based on the value that was allocated to the Warrants upon issuance, and is being accreted back to the value of the CPP Shares over a five-year period (the expected life of the shares upon issuance) on a straight-line basis. The Warrants were unchanged as a result of the CPP Shares repurchase transaction and remain outstanding.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As a condition to Treasury's purchase of the CPP Shares, during the time that Treasury holds any equity or debt instrument the Company issued, the Company is required to comply with certain restrictions and other requirements relating to the compensation of the Company's chief executive officer, chief financial officer and three other most highly compensated executive officers. These restrictions include a prohibition on severance payments to those executive officers upon termination of their employment and a $500,000 limit on the tax deductions the Company can take for compensation expense for each of those executive officers in a single year as well as a prohibition on bonus compensation to such officers other than limited amounts of long-term restricted stock.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Common Stock&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Company has reserved 700,000 shares of its common stock to be made available to directors and employees who elect to participate in the stock purchase or savings and investment plans. During 2006, the number of shares set aside for these plans was increased by the Board of Directors from 480,000 to 700,000. As of December 31, 2012, 522,411 shares had been issued pursuant to these plans, leaving 177,589 shares available for future use. The issuance price is based on the market price of the stock at issuance date. Sales of stock to directors and employees amounted to 12,451 shares in 2012, 12,775 shares in 2011, and 12,334 shares in 2010.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In 2001, the Company established a dividend reinvestment plan to allow shareholders to use their cash dividends for the automatic purchase of shares in the Company. When the plan was established, 600,000 shares were registered with the Securities and Exchange Commission, and as of December 31, 2012, 200,580 shares have been issued, leaving 399,420 shares for future use. Participation in this plan is optional and at the individual discretion of each Shareholder. Shares are purchased for the plan from the Company at a price per share equal to the average of the daily bid and asked prices reported on the NASDAQ System for the five trading days immediately preceding, but not including, the dividend payment date. Sales of stock under the Dividend Reinvestment Plan amounted to 14,056 shares in 2012, 14,387 shares in 2011, and 16,520 shares in 2010.&lt;/div&gt;&lt;/div&gt;</us-gaap:StockholdersEquityNoteDisclosureTextBlock>
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  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 7. Premises and Equipment&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Premises and equipment are carried at cost and consist of the following:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Land&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4,532,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,123,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Land improvements&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;781,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;693,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Buildings&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;18,958,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,415,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Equipment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;11,592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,201,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;35,863,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less accumulated depreciation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;12,875,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,590,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;22,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <!--Amortized Cost-Total-->
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost contextRef="c20121231" unitRef="U001" decimals="0">279399000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <!--Amortized Cost-Total-->
  <us-gaap:AvailableForSaleSecuritiesAmortizedCost contextRef="c20111231" unitRef="U001" decimals="0">274816000</us-gaap:AvailableForSaleSecuritiesAmortizedCost>
  <!--Amortized cost, debt maturities, due in 1 year or less-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost contextRef="c20121231" unitRef="U001" decimals="0">18761000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
  <!--Amortized cost, debt maturities, due in 1 year or less-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost contextRef="c20111231" unitRef="U001" decimals="0">6617000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost>
  <!--Amortized cost, debt maturities, due in 1 to 5 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost contextRef="c20121231" unitRef="U001" decimals="0">27243000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <!--Amortized cost, debt maturities, due in 1 to 5 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost contextRef="c20111231" unitRef="U001" decimals="0">18792000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost>
  <!--Amortized cost, debt maturities, due in 5 to 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost contextRef="c20121231" unitRef="U001" decimals="0">16686000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <!--Amortized cost, debt maturities, due in 5 to 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost contextRef="c20111231" unitRef="U001" decimals="0">23219000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost>
  <!--Amortized cost, debt maturities, due after 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost contextRef="c20121231" unitRef="U001" decimals="0">215131000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
  <!--Amortized cost, debt maturities, due after 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost contextRef="c20111231" unitRef="U001" decimals="0">224653000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost>
  <!--Fair value, debt maturities, due in 1 year or less-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue contextRef="c20121231" unitRef="U001" decimals="0">18926000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue>
  <!--Fair value, debt maturities, due in 1 year or less-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue contextRef="c20111231" unitRef="U001" decimals="0">6773000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue>
  <!--Fair value, debt maturities, due in 1 to 5 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue contextRef="c20121231" unitRef="U001" decimals="0">27816000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <!--Fair value, debt maturities, due in 1 to 5 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue contextRef="c20111231" unitRef="U001" decimals="0">19473000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <!--Fair value, debt maturities, due in 5 to 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue contextRef="c20121231" unitRef="U001" decimals="0">17666000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <!--Fair value, debt maturities, due in 5 to 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue contextRef="c20111231" unitRef="U001" decimals="0">24065000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <!--Fair value, debt maturities, due after 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue contextRef="c20121231" unitRef="U001" decimals="0">225629000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue>
  <!--Fair value, debt maturities, due after 10 years-->
  <us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue contextRef="c20111231" unitRef="U001" decimals="0">234458000</us-gaap:AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue>
  <!--Less than 12 months, Fair Value-US Treasury and Government [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">15817000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">9982000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">8621000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20121231" unitRef="U001" decimals="0">34420000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-US Treasury and Government [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">12489000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">1984000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">154000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--Less than 12 months, Fair Value-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue contextRef="c20111231" unitRef="U001" decimals="0">14627000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue>
  <!--12 months or more, Fair Value-US Treasury and Government [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">2534000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">222000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20121231" unitRef="U001" decimals="0">2756000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-US Treasury and Government [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">6780000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">1667000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">811000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">34000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--12 months or more, Fair Value-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue contextRef="c20111231" unitRef="U001" decimals="0">9292000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-US Treasury and Government [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">15817000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">12516000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">8621000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">222000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20121231" unitRef="U001" decimals="0">37176000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-US Treasury and Government [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">19269000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">3651000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">811000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">188000</us-gaap:AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Fair Value-->
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  <!--Available-for-sale Securities, Equity Securities-->
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities contextRef="c20121231" unitRef="U001" decimals="0">1577000</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <!--Available-for-sale Securities, Equity Securities-->
  <us-gaap:AvailableForSaleSecuritiesEquitySecurities contextRef="c20111231" unitRef="U001" decimals="0">1433000</us-gaap:AvailableForSaleSecuritiesEquitySecurities>
  <!--Securities to be held to maturity, fair value-->
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20121231" unitRef="U001" decimals="0">150247000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <!--Securities to be held to maturity, fair value-->
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20111231" unitRef="U001" decimals="0">130677000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <!--Securities to be held to maturity, fair value-US Treasury and Government [Member]-->
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20121231_DebtSecurityAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">60979000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <!--Securities to be held to maturity, fair value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20121231_DebtSecurityAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">42024000</us-gaap:HeldToMaturitySecuritiesFairValue>
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  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20121231_DebtSecurityAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">46944000</us-gaap:HeldToMaturitySecuritiesFairValue>
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  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20121231_DebtSecurityAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">300000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <!--Securities to be held to maturity, fair value-US Treasury and Government [Member]-->
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20111231_DebtSecurityAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">19522000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <!--Securities to be held to maturity, fair value-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20111231_DebtSecurityAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">60697000</us-gaap:HeldToMaturitySecuritiesFairValue>
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  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20111231_DebtSecurityAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">50158000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <!--Securities to be held to maturity, fair value-Corporate Debt Securities [Member]-->
  <us-gaap:HeldToMaturitySecuritiesFairValue contextRef="c20111231_DebtSecurityAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">300000</us-gaap:HeldToMaturitySecuritiesFairValue>
  <!--Fair value, due in 1 year or less-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue contextRef="c20121231" unitRef="U001" decimals="0">3785000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue>
  <!--Fair value, due in 1 year or less-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue contextRef="c20111231" unitRef="U001" decimals="0">5227000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue>
  <!--Fair value, due in 1 to 5 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue contextRef="c20121231" unitRef="U001" decimals="0">12701000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <!--Fair value, due in 1 to 5 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue contextRef="c20111231" unitRef="U001" decimals="0">10654000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue>
  <!--Fair value, due in 5 to 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue contextRef="c20121231" unitRef="U001" decimals="0">29986000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <!--Fair value, due in 5 to 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue contextRef="c20111231" unitRef="U001" decimals="0">24694000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue>
  <!--Fair value, due after 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue contextRef="c20121231" unitRef="U001" decimals="0">103775000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue>
  <!--Fair value, due after 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue contextRef="c20111231" unitRef="U001" decimals="0">90102000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue>
  <!--Assets-->
  <us-gaap:Assets contextRef="c20121231" unitRef="U001" decimals="0">1414999000</us-gaap:Assets>
  <!--Assets-->
  <us-gaap:Assets contextRef="c20111231" unitRef="U001" decimals="0">1372867000</us-gaap:Assets>
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  <us-gaap:Assets contextRef="c20110331" unitRef="U001" decimals="-3">1431038000</us-gaap:Assets>
  <!--Assets-->
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  <!--Assets-->
  <us-gaap:Assets contextRef="c20110930" unitRef="U001" decimals="-3">1427038000</us-gaap:Assets>
  <!--Assets-->
  <!--Assets-->
  <us-gaap:Assets contextRef="c20120331" unitRef="U001" decimals="-3">1423792000</us-gaap:Assets>
  <!--Assets-->
  <us-gaap:Assets contextRef="c20120630" unitRef="U001" decimals="-3">1424757000</us-gaap:Assets>
  <!--Assets-->
  <us-gaap:Assets contextRef="c20120930" unitRef="U001" decimals="-3">1423316000</us-gaap:Assets>
  <!--Assets-->
  <!--Disclosure of Compensation Related Costs, Share-based Payments [Text Block]-->
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 15. Stock Options and Stock-Based Compensation&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At the 2010 Annual Meeting, shareholders approved the 2010 Equity Incentive Plan (the "2010 Plan"). This reserves 400,000 shares of common stock for issuance in connection with stock options, restricted stock awards and other equity based awards to attract and retain the best available personnel, provide additional incentive to officers, employees and non-employee Directors and promote the success of our business. Such grants and awards will be structured in a manner that does not encourage the recipients to expose the Company to undue or inappropriate risk. Options issued under the 2010 Plan will qualify for treatment as incentive stock options for purposes of Section 422 of the Internal Revenue Code. Other compensation under the 2010 Plan will qualify as performance-based for purposes of Section 162(m) of the Internal Revenue Code, and will satisfy NASDAQ guidelines relating to equity compensation.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012, 19,727 shares of restricted stock had been granted under the 2010 Plan, as detailed in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Year&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Granted&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Vesting Term&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(In Years)&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Shares&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Remaining Term&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(In Years)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2.1&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.1&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,027&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2.2&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,704&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.2&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.0&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,996&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.2&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,727&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.4&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The compensation cost related to these restricted stock grants was $302,000 and will be recognized over the vesting terms of each grant. In 2012, $85,000 of expense was recognized for these restricted shares, leaving $207,000 in unrecognized expense as of December 31, 2012. In 2011, $22,000 of expense was recognized for restricted shares, leaving $89,000 in unrecognized expense as of December 31, 2011.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Company established a shareholder-approved stock option plan in 1995 (the "1995 Plan"), under which the Company granted options to employees for 600,000 shares of common stock. Only incentive stock options were granted under the 1995 Plan. The option price of each option grant was determined by the Options Committee of the Board of Directors, and in no instance was less than the fair market value on the date of the grant. An option's maximum term was ten years from the date of grant, with 50% of the options granted vesting two years from the date of grant and the remaining 50% vesting five years from the date of grant. As of January 16, 2005, all options under the 1995 Plan had been granted.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Company applies the fair value recognition provisions of FASB ASC Topic 718, "Compensation &amp;#8211; Stock Compensation", to stock-based employee compensation. As of December 31, 2012, all outstanding options were fully vested and all compensation cost for options had been recognized. During 2012, 9,000 options were exercised. A summary of the status of outstanding stock options as of December 31, 2012 and changes during the year then ended, is presented below.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Number of Shares&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Weighted Average Exercise Price&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Weighted Average Remaining Contractual Term (In years)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Aggregate Intrinsic&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Outstanding at December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;51,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16.47&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Granted in 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Exercised in 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(9,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9.33&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;59,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Forfeited in 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 0.5pt solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.5pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Outstanding at December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.0&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Exercisable at December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.0&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
  <!--Cash and cash equivalents-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">14958000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and cash equivalents-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">14958000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and cash equivalents-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">14958000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and cash equivalents-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and cash equivalents-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and cash equivalents-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">14115000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Cash and cash equivalents-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:CashAndCashEquivalentsFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">14115000</us-gaap:CashAndCashEquivalentsFairValueDisclosure>
  <!--Accrued interest payable-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">619000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
  <!--Accrued interest payable-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">619000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
  <!--Accrued interest payable-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:AccruedLiabilitiesFairValueDisclosure>
  <!--Accrued interest payable-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">619000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
  <!--Accrued interest payable-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:AccruedLiabilitiesFairValueDisclosure>
  <!--Accrued interest payable-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">734000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
  <!--Accrued interest payable-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:AccruedLiabilitiesFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">734000</us-gaap:AccruedLiabilitiesFairValueDisclosure>
  <!--Fair Value, Assets and Liabilities Measured on Nonrecurring Basis [Table Text Block]-->
  <us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table presents assets measured at fair value on a nonrecurring basis as of December 31, 2012 and 2011. Other real estate owned is presented net of an allowance for losses of $373,000 and $436,000, respectively. Impaired loans are presented net of their related specific allowance for loan losses of $3,539,000 and $2,058,000, respectively.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;At December 31, 2012&lt;/u&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other real estate owned&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,593,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,593,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Impaired loans&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,923,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,923,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total Assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,779,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,779,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;At December 31, 2011&lt;/u&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,581,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,581,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other real estate owned&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,094,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,094,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Impaired loans&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,165,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,165,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total Assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,840,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,840,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:FairValueAssetsMeasuredOnNonrecurringBasisTextBlock>
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  <!--Fair Value Disclosures [Text Block]-->
  <us-gaap:FairValueDisclosuresTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 19. Fair Value Disclosures&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certain assets and liabilities are recorded at fair value to provide additional insight into the Company's quality of earnings. Some of these assets and liabilities are measured on a recurring basis while others are measured on a nonrecurring basis, with the determination based upon applicable existing accounting pronouncements. For example, securities available for sale are recorded at fair value on a recurring basis. Other assets, such as, mortgage servicing rights, loans held for sale, and impaired loans, are recorded at fair value on a nonrecurring basis using the lower of cost or market methodology to determine impairment of individual assets. The Company groups assets and liabilities which are recorded at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement (with level 1 considered highest and level 3 considered lowest). A brief description of each level follows.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/font&gt; &amp;#8211; Valuation is based upon quoted prices for identical instruments in active markets.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/font&gt; &amp;#8211; Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/font&gt; &amp;#8211; Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates that market participants would use in pricing the asset or liability. Valuation includes use of discounted cash flow models and similar techniques.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The fair value methods and assumptions for the Company's financial instruments are set forth below.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash, Cash Equivalents and Interest-Bearing Deposits in Other Banks&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The carrying values of cash equivalents, due from banks and federal funds sold approximate their relative fair values. As such, the Company classifies these financial instruments as Level 1.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Investment Securities&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The fair values of investment securities are estimated by independent providers. In obtaining such valuation information from third parties, the Company has evaluated their valuation methodologies used to develop the fair values in order to determine whether the valuations are representative of an exit price in the Company's principal markets. The Company's principal markets for its securities portfolios are the secondary institutional markets, with an exit price that is predominantly reflective of bid level pricing in those markets. Fair values are calculated based on the value of one unit without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications, or estimated transaction costs. If these considerations had been incorporated into the fair value estimates, the aggregate fair value could have been changed. The carrying values of restricted equity securities approximate fair values. As such, the Company classifies investment securities as Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loans Held for Sale&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans held for sale are recorded at the lower of carrying value or market value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as nonrecurring Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Loans&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair values are estimated for portfolios of loans with similar financial characteristics. The fair values of performing loans are calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest risk inherent in the loan. The estimates of maturity are based on the Company's historical experience with repayments for each loan classification, modified, as required, by an estimate of the effect of current economic and lending conditions, and the effects of estimated prepayments. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information. Management has made estimates of fair value using discount rates that it believes to be reasonable. However, because there is no market for many of these financial instruments, Management has no basis to determine whether the fair value presented above would be indicative of the value negotiated in an actual sale. As such, the Company classifies loans as Level 3, except for impaired loans. Fair values of impaired loans are based on estimated cash flows and are discounted using a rate commensurate with the risk associated with the estimated cash flows, or if collateral dependent, discounted to the appraised value of the collateral, less costs to sell. As such, the Company classifies impaired loans as Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other Real Estate Owned&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Real estate acquired through foreclosure is recorded at fair value. The fair value of other real estate owned is based on property appraisals and an analysis of similar properties currently available. As such, the Company records other real estate owned as nonrecurring Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Mortgage Servicing Rights&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights represent the value associated with servicing residential mortgage loans. Servicing assets and servicing liabilities are reported using the amortization method and compared to fair value for impairment. In evaluating the fair values of mortgage servicing rights, the Company obtains third party valuations based on loan level data including note rate, type and term of the underlying loans. As such, the Company classifies mortgage servicing rights as nonrecurring Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Accrued Interest Receivable&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The fair value estimate of this financial instrument approximates the carrying value as this financial instrument has a short maturity. It is the Company's policy to stop accruing interest on loans for which it is probable that the interest is not collectible. Therefore, this financial instrument has been adjusted for estimated credit loss. As such, the Company classifies accrued interest receivable as Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Deposits&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The fair value of deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. The fair value estimates do not include the benefit that results from the low-cost funding provided by the deposits compared to the cost of borrowing funds in the market. If that value were considered, the fair value of the Company's net assets could increase. As such, the Company classifies deposits as Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Borrowed Funds&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The fair value of borrowed funds is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently available for borrowings of similar remaining maturities. As such, the Company classifies borrowed funds as Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Accrued Interest Payable&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The fair value estimate approximates the carrying amount as this financial instrument has a short maturity. As such, the Company classifies accrued interest payable as Level 2.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Off-Balance-Sheet Instruments&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Off-balance-sheet instruments include loan commitments. Fair values for loan commitments have not been presented as the future revenue derived from such financial instruments is not significant.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Limitations&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These values do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on Management's judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial instruments include the deferred tax asset, premises and equipment, and other real estate owned. In addition, tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Assets and Liabilities Recorded at Fair Value on a Recurring Basis&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table presents the balances of assets and liabilities that were measured at fair value on a recurring basis as of December 31, 2012 and 2011.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;At December 31, 2012&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Mortgage-backed securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;169,093,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;169,093,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;State and political subdivisions&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;120,944,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;120,944,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Corporate securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;At December 31, 2011&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Mortgage-backed securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;198,232,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;198,232,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;State and political subdivisions&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,726,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,726,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Corporate securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Assets and Liabilities Recorded at Fair Value on a Non-Recurring Basis&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table presents assets measured at fair value on a nonrecurring basis as of December 31, 2012 and 2011. Other real estate owned is presented net of an allowance for losses of $373,000 and $436,000, respectively. Impaired loans are presented net of their related specific allowance for loan losses of $3,539,000 and $2,058,000, respectively.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;At December 31, 2012&lt;/u&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other real estate owned&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,593,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,593,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Impaired loans&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,923,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,923,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total Assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,779,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,779,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;At December 31, 2011&lt;/u&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,581,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,581,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other real estate owned&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,094,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,094,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Impaired loans&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,165,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,165,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total Assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,840,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,840,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Fair Value of Financial Instruments&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;FASB ASC Topic 825, "Financial Instruments," requires disclosures of fair value information about financial instruments, whether or not recognized in the balance sheet, if the fair values can be reasonably determined. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques using observable inputs when available. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. FASB ASC Topic 825 excludes certain financial instruments and all nonfinancial instruments from its disclosure requirements. Accordingly, the aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company.&lt;/div&gt;&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The carrying amounts and estimated fair values for financial instruments as of December 31, 2012 were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Carrying&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Estimated&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;As of December 31, 2012&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;fair value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Financial assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,958,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,958,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,958,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Interest bearing deposits in other banks&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,638,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,638,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,638,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;143,320,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Restricted equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans (net of allowance for loan losses)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;245,046,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;244,365,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,865,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;239,500,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;20,960,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;20,902,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,284,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,618,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;78,985,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;79,312,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;472,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;78,840,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,685,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,058,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,058,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;378,258,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;390,223,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,302,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;383,921,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,447,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,430,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,430,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;98,381,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;99,038,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,038,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,022,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,392,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,392,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total loans&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;856,784,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;870,720,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,923,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;856,797,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;867,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Accrued interest receivable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,912,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,912,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,912,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Financial liabilities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Demand deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;90,252,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,544,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,544,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;NOW deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;147,309,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;141,436,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;141,436,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Money market deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;80,983,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;71,799,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;71,799,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Savings deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;135,250,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;126,142,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;126,142,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Local certificates of deposit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;218,571,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;223,748,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;223,748,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;National certificates of deposit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;286,485,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,457,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,457,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;958,850,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;945,126,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;945,126,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Repurchase agreements&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Home Loan Bank advances&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;181,401,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;189,321,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;189,321,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total borrowed funds&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;282,905,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,825,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,825,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Accrued interest payable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;619,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;619,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;619,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The estimated fair values for financial instruments as of December 31, 2011 were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;u&gt;December 31, 2011&lt;/u&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Carrying&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Estimated&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;amount&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;fair value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Financial assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,115,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,115,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest-bearing deposits in other banks&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;122,661,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;130,677,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Restricted equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans (net of allowance for loan losses)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;851,988,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;866,442,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,201,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,581,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest receivable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,835,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,835,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Financial liabilities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;941,333,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;921,388,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Borrowed funds&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;265,663,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;273,568,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest payable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;734,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;734,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
  <!--Estimated fair value of financial instruments-->
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The carrying amounts and estimated fair values for financial instruments as of December 31, 2012 were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Carrying&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Estimated&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;As of December 31, 2012&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;fair value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Financial assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: middle;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,958,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,958,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,958,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Interest bearing deposits in other banks&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,638,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,638,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,638,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;143,320,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Restricted equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,035,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans (net of allowance for loan losses)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;245,046,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;244,365,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,865,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;239,500,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;20,960,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;20,902,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,284,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,618,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;78,985,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;79,312,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;472,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;78,840,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,685,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,058,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,058,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;378,258,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;390,223,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,302,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;383,921,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,447,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,430,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,430,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;98,381,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;99,038,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,038,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,022,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,392,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,392,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total loans&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;856,784,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;870,720,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,923,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;856,797,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;867,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,228,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Accrued interest receivable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,912,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,912,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,912,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Financial liabilities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Demand deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;90,252,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,544,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,544,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;NOW deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;147,309,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;141,436,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;141,436,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Money market deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;80,983,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;71,799,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;71,799,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Savings deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;135,250,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;126,142,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;126,142,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Local certificates of deposit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;218,571,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;223,748,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;223,748,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;National certificates of deposit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;286,485,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,457,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,457,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;958,850,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;945,126,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;945,126,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Repurchase agreements&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Home Loan Bank advances&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;181,401,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;189,321,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;189,321,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total borrowed funds&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;282,905,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,825,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;290,825,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Accrued interest payable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;619,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;619,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;619,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The estimated fair values for financial instruments as of December 31, 2011 were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;u&gt;December 31, 2011&lt;/u&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Carrying&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Estimated&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;amount&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;fair value&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Financial assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,115,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,115,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest-bearing deposits in other banks&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;122,661,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;130,677,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Restricted equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans held for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans (net of allowance for loan losses)&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;851,988,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;866,442,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,201,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,581,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest receivable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,835,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,835,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Financial liabilities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deposits&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;941,333,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;921,388,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Borrowed funds&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;265,663,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;273,568,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest payable&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;734,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;734,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
  <!--Quarterly Financial Information [Text Block]-->
  <us-gaap:QuarterlyFinancialInformationTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 25. Quarterly Information&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following tables provide unaudited financial information by quarter for each of the past two years:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Dollars in thousands except per share data&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q2&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q2&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Balance Sheets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,700&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,322&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,563&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,115&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,123&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,192&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,904&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,958&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest-bearing deposits in other banks&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,532&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;681&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,638&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;435,387&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;427,248&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;456,481&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;408,863&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;454,717&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;443,122&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;454,156&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;434,934&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Restricted equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,823&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,448&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net loans for sale and loans held&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;881,134&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;872,314&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;853,484&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;851,988&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;858,122&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;867,808&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;855,132&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;857,819&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,274&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;88,263&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;84,967&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;82,458&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;82,475&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;85,187&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;83,995&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,202&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Total assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,431,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,417,690&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,427,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,372,867&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,792&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,424,757&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,316&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,414,999&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,050,257&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;998,838&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,004,894&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;941,333&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,015,835&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,005,274&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;944,547&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;958,850&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Borrowed funds&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;217,534&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;249,336&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,616&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;265,663&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;240,151&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;248,926&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;304,749&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;282,905&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,703&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,306&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,990&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,013&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,213&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,152&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,383&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,921&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;151,544&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;156,210&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,538&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,858&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;151,593&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;153,405&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;156,637&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;156,323&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Total liabilities&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;amp; equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,431,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,417,690&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,427,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,372,867&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,792&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,424,757&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,316&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,414,999&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="32" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Income and Comprehensive Income Statements&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,254&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,997&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,898&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,553&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,106&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,133&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,892&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,694&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,749&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,774&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,670&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,516&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,300&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,215&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,222&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,201&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Net interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,505&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,223&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,228&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,037&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,806&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,918&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,670&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,493&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Provision for&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;loan losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,500&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,950&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,800&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,400&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,535&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net interest income after provision for loan losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,405&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,223&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,728&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,087&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,706&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,118&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,270&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,958&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,277&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,234&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,080&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,159&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,168&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,896&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,492&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,722&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,488&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,250&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,934&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,366&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,178&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,730&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,595&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,768&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Income before taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,194&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,207&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,874&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,880&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,696&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,284&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,167&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,912&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,051&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,014&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;868&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;858&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;783&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;961&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;944&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;683&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Net income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,143&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,193&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,006&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,022&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,913&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,323&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,223&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,229&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.27&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.28&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.27&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.28&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td colspan="32" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other comprehensive income (loss), net of tax&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net unrealized gain (loss) on securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;668&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,587&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,957&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(754&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(313&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;438&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,962&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,548&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized gain (loss) on postretirement benefits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(28&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(51&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other &amp;#160;comprehensive income (loss)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;673&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,592&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,961&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(782&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(308&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,967&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,599&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Comprehensive income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,816&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,785&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,967&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,240&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,605&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,766&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,190&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,630&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
  <!--Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Transition Asset (Obligation), Recognized in Net Periodic Benefit Cost, Tax-->
  <us-gaap:OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlantNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostTax contextRef="c20120101to20121231" unitRef="U001" decimals="0">21000</us-gaap:OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlantNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostTax>
  <!--Other Comprehensive Income (Loss), Reclassification, Pension and Other Postretirement Benefit Plans, Net Transition Asset (Obligation), Recognized in Net Periodic Benefit Cost, Tax-->
  <us-gaap:OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlantNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostTax contextRef="c20110101to20111231" unitRef="U001" decimals="0">8000</us-gaap:OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlantNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostTax>
  <!--Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c20121231" unitRef="U001" decimals="0">7940000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <!--Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c20111231" unitRef="U001" decimals="0">7401000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <!--Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c20101231" unitRef="U001" decimals="0">-2057000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <!--Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c20091231" unitRef="U001" decimals="0">-125000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <!--Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009-Parent Company [Member]-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">0</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <!--Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009-Parent Company [Member]-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">-66000</us-gaap:AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax>
  <!--Net unrealized loss on post-retirement benefit costs, net of tax benefit of $39,000 in 2010 and $114,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax contextRef="c20121231" unitRef="U001" decimals="0">123000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <!--Net unrealized loss on post-retirement benefit costs, net of tax benefit of $39,000 in 2010 and $114,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax contextRef="c20111231" unitRef="U001" decimals="0">87000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <!--Net unrealized loss on post-retirement benefit costs, net of tax benefit of $39,000 in 2010 and $114,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax contextRef="c20101231" unitRef="U001" decimals="0">73000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <!--Net unrealized loss on post-retirement benefit costs, net of tax benefit of $39,000 in 2010 and $114,000 in 2009-->
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax contextRef="c20131231" unitRef="U001" decimals="0">-12000</us-gaap:AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax contextRef="c20121231" unitRef="U001" decimals="0">-191000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax contextRef="c20111231" unitRef="U001" decimals="0">-134000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax>
  <!--Pension and Other Postretirement Benefit Plans, Accumulated Other Comprehensive Income (Loss), before Tax-->
  <us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax contextRef="c20131231" unitRef="U001" decimals="0">19000</us-gaap:DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax>
  <!--Mortgage Servicing Rights [Text Block]-->
  <us-gaap:TransfersAndServicingOfFinancialAssetsTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 4. Loan Servicing&lt;/u&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31, 2012 and 2011, the Bank serviced loans for others totaling $205,859,000 and $238,221,000, respectively. Net gains from the sale of loans totaled $1,191,000 in 2012, $756,000 in 2011, and $977,000 in 2010. In 2012, mortgage servicing rights of $330,000 were capitalized and amortization for the year totaled $636,000. At December 31, 2012, mortgage servicing rights had a fair value of $1,228,000. In 2011, mortgage servicing rights of $368,000 were capitalized and amortization for the year totaled $573,000. At December 31, 2011, mortgage servicing rights had a fair value of $1,581,000.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Financial Accounting Standards Board ("FASB") Accounting Standards Codification (the "Codification" or "ASC") Topic 860, "Transfers and Servicing", requires all separately recognized servicing assets and servicing liabilities to be initially measured at fair value, if practicable. Servicing assets and servicing liabilities are reported using the amortization method or the fair value measurement method. In evaluating the carrying values of mortgage servicing rights, the Company obtains third party valuations based on loan level data including note rate, type and term of the underlying loans. The model utilizes several assumptions, the most significant of which is loan prepayments, calculated using a three-month moving average of weekly prepayment data published by the Public Securities Association (PSA) and modeled against the serviced loan portfolio, and the discount rate to discount future cash flows. As of December 31, 2012, the prepayment assumption using the PSA model was 412, which translates into an anticipated prepayment rate of 24.72%. The discount rate is the quarterly average ten-year U.S. Treasury interest rate plus 4.86%. Other assumptions include delinquency rates, foreclosure rates, servicing cost inflation, and annual unit loan cost. All assumptions are adjusted periodically to reflect current circumstances. Amortization of mortgage servicing rights, as well as write-offs due to prepayments of the related mortgage loans, are recorded as a charge against mortgage servicing fee income.&amp;#160;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights are included in other assets and detailed in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;6,430,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,099,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accumulated amortization&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(5,473,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(4,837,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Impairment reserve&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(90,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(61,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; 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  <!--Stockholders' Equity Attributable to Parent-->
  <us-gaap:StockholdersEquity contextRef="c20110331" unitRef="U001" decimals="-3">151544000</us-gaap:StockholdersEquity>
  <!--Stockholders' Equity Attributable to Parent-->
  <us-gaap:StockholdersEquity contextRef="c20110630" unitRef="U001" decimals="-3">156210000</us-gaap:StockholdersEquity>
  <!--Stockholders' Equity Attributable to Parent-->
  <us-gaap:StockholdersEquity contextRef="c20110930" unitRef="U001" decimals="-3">150538000</us-gaap:StockholdersEquity>
  <!--Stockholders' Equity Attributable to Parent-->
  <!--Stockholders' Equity Attributable to Parent-->
  <us-gaap:StockholdersEquity contextRef="c20120331" unitRef="U001" decimals="-3">151593000</us-gaap:StockholdersEquity>
  <!--Stockholders' Equity Attributable to Parent-->
  <us-gaap:StockholdersEquity contextRef="c20120630" unitRef="U001" decimals="-3">153405000</us-gaap:StockholdersEquity>
  <!--Stockholders' Equity Attributable to Parent-->
  <us-gaap:StockholdersEquity contextRef="c20120930" unitRef="U001" decimals="-3">156637000</us-gaap:StockholdersEquity>
  <!--Stockholders' Equity Attributable to Parent-->
  <!--Deferred Tax Liabilities, Property, Plant and Equipment-->
  <us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="c20121231" unitRef="U001" decimals="0">-2326000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
  <!--Deferred Tax Liabilities, Property, Plant and Equipment-->
  <us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment contextRef="c20111231" unitRef="U001" decimals="0">-2236000</us-gaap:DeferredTaxLiabilitiesPropertyPlantAndEquipment>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20120101to20121231" unitRef="U001" decimals="0">3371000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20110101to20111231" unitRef="U001" decimals="0">3791000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20100101to20101231" unitRef="U001" decimals="0">4078000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-Parent Company [Member]-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">-76000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-Parent Company [Member]-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">15000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-Parent Company [Member]-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">-38000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20110101to20110331" unitRef="U001" decimals="-3">1051000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20110401to20110630" unitRef="U001" decimals="-3">1014000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20110701to20110930" unitRef="U001" decimals="-3">868000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20111001to20111231" unitRef="U001" decimals="-3">858000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20120101to20120331" unitRef="U001" decimals="-3">783000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20120401to20120630" unitRef="U001" decimals="-3">961000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20120701to20120930" unitRef="U001" decimals="-3">944000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Applicable tax expense-->
  <us-gaap:IncomeTaxExpenseBenefit contextRef="c20121001to20121231" unitRef="U001" decimals="-3">683000</us-gaap:IncomeTaxExpenseBenefit>
  <!--Available-for-sale Securities Pledged as Collateral-->
  <us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral contextRef="c20121231" unitRef="U001" decimals="0">154817000</us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral>
  <!--Available-for-sale Securities Pledged as Collateral-->
  <us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral contextRef="c20111231" unitRef="U001" decimals="0">141506000</us-gaap:AvailableForSaleSecuritiesPledgedAsCollateral>
  <!--Amortized cost, due in 1 year or less-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount contextRef="c20121231" unitRef="U001" decimals="0">3754000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount>
  <!--Amortized cost, due in 1 year or less-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount contextRef="c20111231" unitRef="U001" decimals="0">5179000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount>
  <!--Amortized cost, due in 1 to 5 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount contextRef="c20121231" unitRef="U001" decimals="0">11950000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount>
  <!--Amortized cost, due in 1 to 5 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount contextRef="c20111231" unitRef="U001" decimals="0">10085000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount>
  <!--Amortized cost, due in 5 to 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount contextRef="c20121231" unitRef="U001" decimals="0">27461000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount>
  <!--Amortized cost, due in 5 to 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount contextRef="c20111231" unitRef="U001" decimals="0">23027000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount>
  <!--Amortized cost, due after 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount contextRef="c20121231" unitRef="U001" decimals="0">100155000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount>
  <!--Amortized cost, due after 10 years-->
  <us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount contextRef="c20111231" unitRef="U001" decimals="0">84370000</us-gaap:HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount>
  <!--The actual and minimum capital amounts and ratios-->
  <us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The actual and minimum capital amounts and ratios for the Bank are presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For capital&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;To be well-capitalized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;adequacy&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;under prompt corrective&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Actual&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;purposes&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;action provisions&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;124,366,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;63,531,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;79,414,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15.66&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;114,419,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,765,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;47,648,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.41&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;114,419,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,636,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;69,545,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.23&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;123,599,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;80,400,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15.37&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;113,521,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,160,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;48,240,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.11&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;113,521,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;54,600,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;68,250,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.33&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The actual and minimum capital amounts and ratios for the Company, on a consolidated basis, are presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For capital&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;To be well-capitalized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;adequacy&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;under prompt corrective&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Actual&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;purposes&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;action provisions&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;127,557,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;63,579,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16.05&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;117,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,790,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.80&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;117,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,628,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.46&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 2 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;125,943,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15.66&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;115,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,160,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;risk-weighted assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14.40&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Tier 1 capital to&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;115,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,720,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;average assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.00&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;n/&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;a&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <!--Preferred stock-->
  <us-gaap:PreferredStockValue contextRef="c20121231" unitRef="U001" decimals="0">12402000</us-gaap:PreferredStockValue>
  <!--Preferred stock-->
  <us-gaap:PreferredStockValue contextRef="c20111231" unitRef="U001" decimals="0">12303000</us-gaap:PreferredStockValue>
  <!--Preferred stock-Parent Company [Member]-->
  <us-gaap:PreferredStockValue contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">12402000</us-gaap:PreferredStockValue>
  <!--Preferred stock-Parent Company [Member]-->
  <us-gaap:PreferredStockValue contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">12303000</us-gaap:PreferredStockValue>
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  <us-gaap:OtherOperatingIncome contextRef="c20120101to20121231_ComponentOfOtherOperatingIncomeAndExpenseAxis_AtmAndDebitCardIncomeMember" unitRef="U001" decimals="0">1994000</us-gaap:OtherOperatingIncome>
  <!--Other Operating Income-ATM And Debit Card Income [Member]-->
  <us-gaap:OtherOperatingIncome contextRef="c20110101to20111231_ComponentOfOtherOperatingIncomeAndExpenseAxis_AtmAndDebitCardIncomeMember" unitRef="U001" decimals="0">1744000</us-gaap:OtherOperatingIncome>
  <!--Other Operating Income-ATM And Debit Card Income [Member]-->
  <us-gaap:OtherOperatingIncome contextRef="c20100101to20101231_ComponentOfOtherOperatingIncomeAndExpenseAxis_AtmAndDebitCardIncomeMember" unitRef="U001" decimals="0">1394000</us-gaap:OtherOperatingIncome>
  <!--Furniture and equipment expense-->
  <us-gaap:EquipmentExpense contextRef="c20120101to20121231" unitRef="U001" decimals="0">2235000</us-gaap:EquipmentExpense>
  <!--Furniture and equipment expense-->
  <us-gaap:EquipmentExpense contextRef="c20110101to20111231" unitRef="U001" decimals="0">2144000</us-gaap:EquipmentExpense>
  <!--Furniture and equipment expense-->
  <us-gaap:EquipmentExpense contextRef="c20100101to20101231" unitRef="U001" decimals="0">2209000</us-gaap:EquipmentExpense>
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  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">0</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
  <!--Mortgage-backed securities-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Recurring [Member]-->
  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">169093000</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
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  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">0</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
  <!--Mortgage-backed securities-Fair Value, Measurements, Recurring [Member]-->
  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20121231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">169093000</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
  <!--Mortgage-backed securities-Fair Value, Inputs, Level 1 [Member]-Fair Value, Measurements, Recurring [Member]-->
  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">0</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
  <!--Mortgage-backed securities-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Recurring [Member]-->
  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">198232000</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
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  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">0</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
  <!--Mortgage-backed securities-Fair Value, Measurements, Recurring [Member]-->
  <us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure contextRef="c20111231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsRecurringMember" unitRef="U001" decimals="0">198232000</us-gaap:MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure>
  <!--Schedule of finite-lived intangible assets acquired as part of business combination-->
  <us-gaap:ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The purchase premium of $2,553,000 was allocated to assets acquired and liabilities assumed based on estimates of fair value at the date of acquisition. The fair value of the deposit accounts assumed was compared to the carrying amounts received and the difference of $432,000 was recorded as core deposit intangible. The core deposit intangible is subject to amortization over the estimated ten-year average life of the acquired core deposit base and will be evaluated for impairment periodically. The amortization expense will be included in other noninterest expense in the consolidated statements of income and comprehensive income and is deductible for tax purposes. As of December 31, 2012, the amortization expense related to the core deposit intangible, absent any future impairment, is expected to be as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Thereafter&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;217,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock>
  <!--Certificates of deposit-->
  <us-gaap:TimeDeposits contextRef="c20121231" unitRef="U001" decimals="0">505056000</us-gaap:TimeDeposits>
  <!--Certificates of deposit-->
  <us-gaap:TimeDeposits contextRef="c20111231" unitRef="U001" decimals="0">549176000</us-gaap:TimeDeposits>
  <!--Certificates of deposit-Less Than $100,000 [Member]-->
  <us-gaap:TimeDeposits contextRef="c20121231_MaturitiesOfCertificatesOfDepositsByBalanceAxis_LessThan100000Member" unitRef="U001" decimals="0">199265000</us-gaap:TimeDeposits>
  <!--Certificates of deposit-Greater Than $100,000 But Less Than $250,000 [Member]-->
  <us-gaap:TimeDeposits contextRef="c20121231_MaturitiesOfCertificatesOfDepositsByBalanceAxis_GreaterThan100000ButLessThan250000Member" unitRef="U001" decimals="0">305791000</us-gaap:TimeDeposits>
  <!--Certificates of deposit-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:TimeDeposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">218571000</us-gaap:TimeDeposits>
  <!--Certificates of deposit-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:TimeDeposits contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">223748000</us-gaap:TimeDeposits>
  <!--Certificates of deposit-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:TimeDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:TimeDeposits>
  <!--Certificates of deposit-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:TimeDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">223748000</us-gaap:TimeDeposits>
  <!--Certificates of deposit-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:TimeDeposits contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:TimeDeposits>
  <!--Loans held for sale-Fair Value, Inputs, Level 1 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">1035000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 3 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">1035000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 1 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 3 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Measurements, Nonrecurring [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20111231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">1035000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">1035000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">1035000</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Loans held for sale-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:LoansHeldForSaleFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">0</us-gaap:LoansHeldForSaleFairValueDisclosure>
  <!--Other real estate owned-->
  <us-gaap:OtherRealEstateAndForeclosedAssets contextRef="c20121231" unitRef="U001" decimals="0">7593000</us-gaap:OtherRealEstateAndForeclosedAssets>
  <!--Other real estate owned-->
  <us-gaap:OtherRealEstateAndForeclosedAssets contextRef="c20111231" unitRef="U001" decimals="0">4094000</us-gaap:OtherRealEstateAndForeclosedAssets>
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  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice contextRef="c20120101to20121231" unitRef="U003" decimals="0">0</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice>
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  <us-gaap:StockIssuedDuringPeriodSharesNewIssues contextRef="c20100101to20101231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U002" decimals="0">28855</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
  <!--Proceeds from sale of common stock (in shares)-Common stock and additional paid-in capital [Member]-->
  <us-gaap:StockIssuedDuringPeriodSharesNewIssues contextRef="c20110101to20111231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U002" decimals="0">39155</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
  <!--Proceeds from sale of common stock (in shares)-Common stock and additional paid-in capital [Member]-->
  <us-gaap:StockIssuedDuringPeriodSharesNewIssues contextRef="c20120101to20121231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U002" decimals="0">47734</us-gaap:StockIssuedDuringPeriodSharesNewIssues>
  <!--Number of shares issued during period, employee benefit plan (in shares)-->
  <us-gaap:StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans contextRef="c20120101to20121231" unitRef="U002" decimals="0">12451</us-gaap:StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans>
  <!--Number of shares issued during period, employee benefit plan (in shares)-->
  <us-gaap:StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans contextRef="c20110101to20111231" unitRef="U002" decimals="0">12775</us-gaap:StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans>
  <!--Number of shares issued during period, employee benefit plan (in shares)-->
  <us-gaap:StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans contextRef="c20100101to20101231" unitRef="U002" decimals="0">12334</us-gaap:StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans>
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  <us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised contextRef="c20120101to20121231" unitRef="U002" decimals="0">-9000</us-gaap:StockIssuedDuringPeriodSharesStockOptionsExercised>
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  <us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan contextRef="c20120101to20121231" unitRef="U002" decimals="0">14056</us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan>
  <!--Number of shares issued during period, dividend reinvestment plan (in shares)-->
  <us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan contextRef="c20110101to20111231" unitRef="U002" decimals="0">14387</us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan>
  <!--Number of shares issued during period, dividend reinvestment plan (in shares)-->
  <us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan contextRef="c20100101to20101231" unitRef="U002" decimals="0">16520</us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan>
  <!--Diluted EPS: Income available to common shareholders plus assumed conversions-->
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c20120101to20121231" unitRef="U001" decimals="0">11965000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
  <!--Diluted EPS: Income available to common shareholders plus assumed conversions-->
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c20110101to20111231" unitRef="U001" decimals="0">11156000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
  <!--Diluted EPS: Income available to common shareholders plus assumed conversions-->
  <us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted contextRef="c20100101to20101231" unitRef="U001" decimals="0">10768000</us-gaap:NetIncomeLossAvailableToCommonStockholdersDiluted>
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  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20100101to20101231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">99000</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Common stock and additional paid-in capital [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20100101to20101231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">-99000</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Retained earnings [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20100101to20101231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">0</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20100101to20101231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Preferred Stock [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">98000</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Common stock and additional paid-in capital [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">-98000</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Retained earnings [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_RetainedEarningsMember" unitRef="U001" decimals="0">0</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Accumulated other comprehensive income (loss) [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20110101to20111231_StatementEquityComponentsAxis_AccumulatedOtherComprehensiveIncomeMember" unitRef="U001" decimals="0">0</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Preferred Stock [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20120101to20121231_StatementEquityComponentsAxis_PreferredStockMember" unitRef="U001" decimals="0">99000</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
  <!--Amortization of premium for preferred stock issuance-Common stock and additional paid-in capital [Member]-->
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock contextRef="c20120101to20121231_StatementEquityComponentsAxis_CommonStockIncludingAdditionalPaidInCapitalMember" unitRef="U001" decimals="0">-99000</us-gaap:AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock>
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  <!--Earnings Per Share [Text Block]-->
  <us-gaap:EarningsPerShareTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 16. Earnings Per Share&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table provides detail for basic earnings per share (EPS) and diluted earnings per share for the years ended December 31, 2012, 2011 and 2010:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Shares&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Per-Share&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(Numerator)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(Denominator)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;For the year ended December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net income as reported&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less dividends and amortization of premium on preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;723,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 0.25pt solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 0.25pt solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic EPS: Income available to common shareholders&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,965,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,828,925&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.22&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Effect of dilutive securities: restricted stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;17,606&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted EPS: Income available to common shareholders plus assumed conversions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,965,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,846,531&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.22&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;For the year ended December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net income as reported&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,364,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less dividends and amortization of premium on preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,208,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic EPS: Income available to common shareholders&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,788,610&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.14&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Effect of dilutive securities: incentive stock options and restricted stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,619&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted EPS: Income available to common shareholders plus assumed conversions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,798,229&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.14&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;For the year ended December 31, 2010&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net income as reported&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,116,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less dividends and amortization of premium on preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,348,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic EPS: Income available to common shareholders&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,768,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,760,760&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.10&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Effect of dilutive securities: incentive stock options and restricted stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,726&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted EPS: Income available to common shareholders plus assumed conversions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,768,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,765,486&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.10&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;All earnings per share calculations have been made using the weighted average number of shares outstanding during the period. The dilutive securities are incentive stock options granted to certain key members of Management and warrants granted to the U.S. Treasury under the Capital Purchase Program. The dilutive number of shares has been calculated using the treasury method, assuming that all granted options and warrants were exercisable at the end of each period. The following table presents the number of options and warrants outstanding as of December 31, 2012, 2011 and 2010 and the amount which are above or below the strike price:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;Outstanding&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;In-the-Money&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;Out-of-the-Money&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Incentive stock options&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Warrants issued to U.S. Treasury&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total dilutive securities&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Incentive stock options&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;51,000&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,000&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Warrants issued to U.S. Treasury&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total dilutive securities&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;276,904&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,000&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2010&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Incentive stock options&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;55,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Warrants issued to U.S. Treasury&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total dilutive securities&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;281,404&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,500&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:EarningsPerShareTextBlock>
  <!--Acquisition-related costs-->
  <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c20120101to20121231" unitRef="U001" decimals="0">251000</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
  <!--Acquisition-related costs-->
  <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
  <!--Acquisition-related costs-->
  <us-gaap:BusinessCombinationAcquisitionRelatedCosts contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</us-gaap:BusinessCombinationAcquisitionRelatedCosts>
  <!--Dividends receivable-Parent Company [Member]-->
  <us-gaap:DividendsReceivable contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">1900000</us-gaap:DividendsReceivable>
  <!--Dividends receivable-Parent Company [Member]-->
  <us-gaap:DividendsReceivable contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">1900000</us-gaap:DividendsReceivable>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20120101to20121231" unitRef="U001" decimals="0">13191000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20110101to20111231" unitRef="U001" decimals="0">21808000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20100101to20101231" unitRef="U001" decimals="0">10322000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20110101to20110331" unitRef="U001" decimals="-3">3816000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20110401to20110630" unitRef="U001" decimals="-3">6785000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20110701to20110930" unitRef="U001" decimals="-3">8967000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20111001to20111231" unitRef="U001" decimals="-3">2240000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20120101to20120331" unitRef="U001" decimals="-3">2605000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20120401to20120630" unitRef="U001" decimals="-3">3766000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20120701to20120930" unitRef="U001" decimals="-3">5190000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Comprehensive income-->
  <us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest contextRef="c20121001to20121231" unitRef="U001" decimals="-3">1630000</us-gaap:ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest>
  <!--Acquisitions and Intangible Assets [Text Block]-->
  <us-gaap:BusinessCombinationDisclosureTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 9. Acquisitions and Intangible Assets&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;On October 26, 2012, the Bank completed the purchase of a branch at 63 Union Street in Rockland, Maine, from Camden National Bank that was formerly operated by Bank of America. As part of the transaction, the Bank acquired approximately $32.3 million in deposits as well as a small volume of loans. On the same date, the Bank completed the purchase of a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National Bank, and opened a full-service branch in this building in February of 2013. The acquisition allows the Bank to expand its community banking franchise into eastern Maine and expand its presence in Rockland, Maine. The acquisition-date estimated fair values of assets acquired and liabilities assumed in Rockland and Bangor were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;25,297,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;224,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Bank premises and equipment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,776,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest receivable and other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Core deposit intangible&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Goodwill&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,121,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;31,858,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued interest and other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The purchase premium of $2,553,000 was allocated to assets acquired and liabilities assumed based on estimates of fair value at the date of acquisition. The fair value of the deposit accounts assumed was compared to the carrying amounts received and the difference of $432,000 was recorded as core deposit intangible. The core deposit intangible is subject to amortization over the estimated ten-year average life of the acquired core deposit base and will be evaluated for impairment periodically. The amortization expense will be included in other noninterest expense in the consolidated statements of income and comprehensive income and is deductible for tax purposes. As of December 31, 2012, the amortization expense related to the core deposit intangible, absent any future impairment, is expected to be as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Thereafter&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;217,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The banking facilities were valued at the most recent tax assessed value, which approximates fair value. The loans acquired were recorded at fair value at the time of acquisition. The estimated fair value of the loans acquired is equal to the carrying value. The excess of the purchase price over the fair value of the assets acquired, liabilities assumed, and the amount allocated for core deposit intangible totaled $2,121,000 and was recorded as goodwill. The goodwill is not amortizable but is deductible for tax purposes. Management periodically assesses qualitative factors to determine whether goodwill is impaired. Management is not aware of any such events or circumstances that would cause it to conclude that the goodwill is impaired.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;One-time costs associated with the acquisition that were recognized by the Company and included in the consolidated statements of income and comprehensive income for 2012 were $251,000. The amounts of revenue and expenses related to the Rockland branch since the October 26, 2012 acquisition date are included in the consolidated statements of income of the Company as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;21,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;36,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;55,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loss before taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(38,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Tax benefit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(13,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Disclosure of the proforma revenue and earnings of the combined entity for the current and prior reporting periods as though the acquisition had occurred at the beginning of the prior annual reporting period is not considered practicable. Retrospective application to January 1, 2012 and January 1, 2011 requires assumptions about management's intent in prior periods that cannot be independently substantiated. It is not possible to objectively distinguish information about significant estimates of amounts that provide evidence of circumstances that existed on the dates at which those amounts would be recognized, measured, or disclosed under retrospective application and would have been available when the financial statements for that prior period were issued. The Company is unable to obtain certain information from the seller regarding transfer of deposits among branches and deposit activity since January 1, 2011. It is impracticable to estimate historical information.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;On January 14, 2005, the Company acquired FNB Bankshares ("FNB") of Bar Harbor, Maine, and its subsidiary, The First National Bank of Bar Harbor. The total value of the transaction was $47,955,000, and all of the voting equity interest of FNB was acquired in the transaction. The transaction was accounted for as a purchase and the excess of purchase price over the fair value of net identifiable assets acquired equaled $27,559,000 and was recorded as goodwill, none of which was deductible for tax purposes. The portion of the purchase price related to the core deposit intangible is being amortized over its expected economic life, and goodwill is evaluated annually for possible impairment under the provisions of FASB ASC Topic 350, "Intangibles &amp;#8211; Goodwill and Other". &amp;#160;As of December 31, 2012, in accordance with Topic 350, the Company completed its annual review of goodwill and determined there has been no impairment. The Bank also carries $125,000 in goodwill for a de minimus transaction in 2001.&lt;/div&gt;&lt;/div&gt;</us-gaap:BusinessCombinationDisclosureTextBlock>
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  <us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">573000</us-gaap:FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment>
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  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-->
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  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-Commercial Other [Member]-->
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  <!--Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment-->
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  <!--Ending balance specifically evaluated for impairment-Commercial Construction [Member]-->
  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">5702000</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
  <!--Ending balance specifically evaluated for impairment-Commercial Other [Member]-->
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  <us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</us-gaap:FinancingReceivableIndividuallyEvaluatedForImpairment>
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  <!--Ending balance specifically evaluated for impairment-Residential Construction [Member]-->
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  <!--Ending balance specifically evaluated for impairment-Home Equity Line Of Credit [Member]-->
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  <us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">75322000</us-gaap:FinancingReceivableCollectivelyEvaluatedForImpairment>
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  <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">3074000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
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  <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">656000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
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  <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">0</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <!--Balance of total TDR loans-->
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  <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">3078000</us-gaap:FinancingReceivableModificationsRecordedInvestment>
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  <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</us-gaap:FinancingReceivableModificationsRecordedInvestment>
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  <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">0</us-gaap:FinancingReceivableModificationsRecordedInvestment>
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  <us-gaap:FinancingReceivableModificationsRecordedInvestment contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">0</us-gaap:FinancingReceivableModificationsRecordedInvestment>
  <!--Balance of total TDR loans-->
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  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="0">246437000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
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  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U001" decimals="0">22353000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <!--Financing Receivable, Recorded Investment, Current-Commercial Other [Member]-->
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U001" decimals="0">78001000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
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  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U001" decimals="0">14568000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <!--Financing Receivable, Recorded Investment, Current-Residential Term [Member]-->
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U001" decimals="0">366663000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <!--Financing Receivable, Recorded Investment, Current-Residential Construction [Member]-->
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">6271000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <!--Financing Receivable, Recorded Investment, Current-Home Equity Line Of Credit [Member]-->
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">97383000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <!--Financing Receivable, Recorded Investment, Current-Consumer Loan [Member]-->
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">14441000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <!--Financing Receivable, Recorded Investment, Current-->
  <us-gaap:FinancingReceivableRecordedInvestmentCurrent contextRef="c20121231" unitRef="U001" decimals="0">846117000</us-gaap:FinancingReceivableRecordedInvestmentCurrent>
  <!--Financing Receivable, Recorded Investment, Current-Commercial Real Estate [Member]-->
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  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">91000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <!--Allowance for loan losses-Consumer Loan [Member]-->
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">11000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <!--Allowance for loan losses-->
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="c20111231" unitRef="U001" decimals="0">2058000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <!--Cumulative dividend rate of CPP Shares (in hundredths)-->
  <us-gaap:PreferredStockDividendRatePercentage contextRef="c20120101to20121231" unitRef="U004" decimals="2">0.05</us-gaap:PreferredStockDividendRatePercentage>
  <!--Allowance for loan losses by class of financing receivable and allowance-->
  <us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;The following table summarizes the composition of the allowance for loan losses, by class of financing receivable and allowance, as of December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="8" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Allowance for Loans Evaluated Individually for Impairment&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="8" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Allowance for Loans Evaluated Collectively for Impairment&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;4,342,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,851,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;390,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;625,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,398,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;714,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;20,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;504,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;573,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;8,961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,942,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td colspan="8" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Total Allowance for Loan Losses&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;5,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,109,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock>
  <!--Summary of Risk Ratings for Loans-->
  <us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the risk ratings for the Company's commercial construction, commercial real estate, commercial other and municipal loans as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Risk-&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Rated Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1 Strong&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,731,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,021,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2 Above average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,871,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,274,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,084,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,061,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,290,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3 Satisfactory&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;34,454,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,312,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,487,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;54,831,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4 &amp;#160;Average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,712,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,322,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;28,618,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,425,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;143,077,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5 Watch&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;43,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,721,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,524,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6 OAEM&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,302,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;79,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7 Substandard&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,709,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,806,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;46,668,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8 Doubtful&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;455,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;457,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;369,639,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the risk ratings for the Company's commercial construction, commercial real estate, commercial other and municipal loans as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Risk-&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Rated Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1 Strong&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;465,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,158,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2 Above average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;21,334,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,229,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,509,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,072,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3 Satisfactory&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,119,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,365,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,981,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,861,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;49,326,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4 &amp;#160;Average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;106,171,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,125,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,600,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,693,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;157,589,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5 Watch&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,215,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,893,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;65,395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6 OAEM&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,309,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;25,932,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7 Substandard&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,575,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,323,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,362,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,260,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8 Doubtful&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;678,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,154,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;149,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,981,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;391,201,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:FinancingReceivableCreditQualityIndicatorsTableTextBlock>
  <!--Impaired Financing Receivables [Table Text Block]-->
  <us-gaap:ImpairedFinancingReceivablesTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;A breakdown of impaired loans by category as of December 31, 2012, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Principal Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related Allowance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recognized Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Income&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With No Related Allowance&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,386,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,963,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,102,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;115,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,533,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,737,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,345,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,877,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,747,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,440,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,801,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;189,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;560,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,311,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,440,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;31,303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;26,837,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With an Allowance Recorded&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,388,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,018,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;211,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,253,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,253,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,124,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,126,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,974,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;38,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,697,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,066,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;237,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;261,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;442,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;17,462,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,239,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;571,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Total&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,774,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,981,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,716,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;410,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,354,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,368,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,349,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,861,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,471,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,851,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,444,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;21,282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,867,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;426,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,311,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,440,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,403,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;45,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;49,542,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;45,019,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,039,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;A breakdown of impaired loans by category as of December 31, 2011, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unpaid&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Principal Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related Allowance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Average&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recognized Interest&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Income&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With No Related Allowance&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,212,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,072,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,022,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,022,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,918,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,875,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,875,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,493,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;54,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;739,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;739,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;39,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,897,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,897,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,341,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;248,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="20" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;With an Allowance Recorded&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,557,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,557,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,307,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;103,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;530,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;530,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;247,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,020,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,020,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,946,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,946,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,628,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;228,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;730,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;730,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;272,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,223,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,223,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Total&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,519,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;126,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,702,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,702,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,318,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,042,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,042,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,600,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;47,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,121,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,205,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;918,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;96,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,777,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;598,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ImpairedFinancingReceivablesTableTextBlock>
  <!--Past Due Loans Aging-->
  <us-gaap:PastDueFinancingReceivablesTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information on the past-due status of loans as of December 31, 2012, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;30-59 Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;60-89&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Current&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;amp;&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Accruing&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;346,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,380,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,898,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;246,437,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;102,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;35,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,353,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;218,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,306,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;78,001,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,568,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,404,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,298,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,784,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;366,663,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;379,447,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;363,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;188,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;188,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;430,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;133,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,699,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;97,383,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;70,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;45,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;216,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,441,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;45,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,089,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,878,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,200,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,167,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;846,117,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;869,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,051,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information on the past-due status of loans as of December 31, 2011, is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;30-59 Days Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;60-89 Days Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Past Due&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Current&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;90+ Days &amp;amp; Accruing&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,367,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,505,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,992,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,864,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;248,560,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;174,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,777,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;30,797,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;665,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;766,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,192,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,623,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;84,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;52,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,933,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,398,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,843,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,174,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;329,112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;341,286,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,118,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,469,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;480,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;103,630,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;105,244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;230,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;347,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,441,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 16%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,675,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,944,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,978,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,597,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;838,391,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;864,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,170,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:PastDueFinancingReceivablesTableTextBlock>
  <!--Troubled debt restructurings by class and specific reserve-->
  <us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows TDRs by class and the specific reserve as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;823,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,319,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,074,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;53&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,945,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;224,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;656,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29,955,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,590,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows TDRs by class and the specific reserve as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,506,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;97,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;43&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,924,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;363,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;59&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,858,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;733,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock>
  <!--Components of Deferred Tax Assets and Liabilities-->
  <us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deferred tax assets and liabilities are classified as other assets and other liabilities in the consolidated balance sheets. No valuation allowance is deemed necessary for the deferred tax asset. Items that give rise to the deferred income tax assets and liabilities and the tax effect of each at December 31, 2012 and 2011 are as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Allowance for loan losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4,375,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,550,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;OREO&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued pension and post-retirement&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized loss on securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other than temporary impairment of securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;192,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total deferred tax asset&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;6,110,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,053,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net deferred loan costs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(770,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(664,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Depreciation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(2,326,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(2,236,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized gain on securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(4,275,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(3,985,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(421,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Core deposit intangible&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(203,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investment in flow through entities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(323,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(264,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Prepaid expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(422,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(528,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total deferred tax liability&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(8,622,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(8,403,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net deferred tax liability&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(2,512,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(2,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock>
  <!--Current and Deferred Components of Income Tax Expense-->
  <us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The current and deferred components of income tax expense were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Federal income tax&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Current&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,239,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,828,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,450,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Deferred&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(108,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;730,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,558,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,845,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State franchise tax&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;240,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;233,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;233,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,371,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,791,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock>
  <!--Actual Tax Expense from Expected Tax Expense-->
  <us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;The actual tax expense differs from the expected tax expense (computed by applying the applicable U.S. Federal corporate income tax rate to income before income taxes) as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Expected tax expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;5,621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,668,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-taxable income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(2,096,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,794,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,527,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State franchise tax, net of federal tax benefit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;152,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;151,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Tax credits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(414,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(383,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(345,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;104,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;162,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,371,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,791,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock>
  <!--Schedule of Temporary Impairment Losses-->
  <us-gaap:ScheduleOfTemporaryImpairmentLossesInvestmentsTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Information regarding securities temporarily impaired as of December 31, 2012 is summarized below:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Less than 12 months&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;12 months or more&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,817,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,817,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(231,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,534,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(83,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,516,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(314,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;34,420,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(612,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,756,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(127,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,176,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(739,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information regarding securities temporarily impaired as of December 31, 2011 is summarized below:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Less than 12 months&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;12 months or more&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Fair&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,489,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,780,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,269,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(181,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,984,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(17,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,667,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,651,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(189,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;154,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;34,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;188,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(139,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 28%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,627,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(162,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,292,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(634,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,919,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfTemporaryImpairmentLossesInvestmentsTableTextBlock>
  <!--Schedule of Securities Gains and Losses-->
  <us-gaap:ScheduleOfRealizedGainLossTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows securities gains and losses for 2012, 2011 and 2010:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Proceeds from sales of securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;26,437,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;140,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;202,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gross realized gains&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,257,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,020,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gross realized losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(289,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(727,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Net gain&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,968,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;689,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes activity in the unrealized gain or loss on available for sale securities included in other comprehensive income for the years ended December 31, 2012, 2011 and 2010.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;7,401,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,057,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(125,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized gains (losses) arising during the period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,797,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,844,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,971,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Realized gains during the period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(1,968,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(3,293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Related deferred taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(290,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(5,093,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,041,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Net change&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,458,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(1,932,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;7,940,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,401,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(2,057,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfRealizedGainLossTableTextBlock>
  <!--Assets and liabilities measured on recurring basis measured at fair value-->
  <us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table presents the balances of assets and liabilities that were measured at fair value on a recurring basis as of December 31, 2012 and 2011.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;At December 31, 2012&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Mortgage-backed securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;169,093,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;169,093,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;State and political subdivisions&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;120,944,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;120,944,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Corporate securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;At December 31, 2011&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 1&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 2&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Level 3&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Mortgage-backed securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;198,232,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;198,232,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;State and political subdivisions&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,726,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,726,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Corporate securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other equity securities&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Total assets&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock>
  <!--Contingencies Disclosure [Text Block]-->
  <us-gaap:LossContingencyDisclosures contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 21. Legal Contingencies&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Various legal claims also arise from time to time in the normal course of business which, in the opinion of Management, will have no material effect on the Company's consolidated financial statements.&lt;/div&gt;&lt;/div&gt;</us-gaap:LossContingencyDisclosures>
  <!--Amortized cost, equity maturities-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">1578000</us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis>
  <!--Amortized cost, equity maturities-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">1535000</us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis>
  <!--Amortized cost, equity maturities-->
  <us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis contextRef="c20121231" unitRef="U001" decimals="0">1578000</us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis>
  <!--Amortized cost, equity maturities-->
  <us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis contextRef="c20111231" unitRef="U001" decimals="0">1535000</us-gaap:AvailableForSaleEquitySecuritiesAmortizedCostBasis>
  <!--Amortized Cost-Debt-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">164752000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <!--Amortized Cost-Debt-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">113069000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <!--Amortized Cost-Debt-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <!--Amortized Cost-Debt-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">191924000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <!--Amortized Cost-Debt-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">80259000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <!--Amortized Cost-Debt-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">1098000</us-gaap:AvailableForSaleDebtSecuritiesAmortizedCostBasis>
  <!--Quarterly information-->
  <us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following tables provide unaudited financial information by quarter for each of the past two years:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Dollars in thousands except per share data&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q2&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011Q4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q2&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012Q4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Balance Sheets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,700&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,322&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,563&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,115&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,123&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,192&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,904&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,958&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest-bearing deposits in other banks&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,532&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;681&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,638&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;435,387&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;427,248&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;456,481&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;408,863&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;454,717&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;443,122&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;454,156&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;434,934&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Restricted equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,823&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,448&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,448&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net loans for sale and loans held&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;881,134&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;872,314&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;853,484&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;851,988&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;858,122&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;867,808&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;855,132&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;857,819&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,274&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;88,263&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;84,967&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;82,458&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;82,475&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;85,187&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;83,995&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,202&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Total assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,431,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,417,690&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,427,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,372,867&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,792&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,424,757&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,316&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,414,999&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deposits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,050,257&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;998,838&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,004,894&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;941,333&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,015,835&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,005,274&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;944,547&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;958,850&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Borrowed funds&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;217,534&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;249,336&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,616&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;265,663&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;240,151&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;248,926&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;304,749&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;282,905&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,703&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,306&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,990&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,013&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,213&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,152&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,383&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,921&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;151,544&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;156,210&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,538&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,858&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;151,593&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;153,405&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;156,637&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;156,323&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Total liabilities&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;amp; equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,431,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,417,690&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,427,038&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,372,867&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,792&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,424,757&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,423,316&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,414,999&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="32" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Income and Comprehensive Income Statements&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,254&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,997&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,898&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,553&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,106&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,133&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,892&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,694&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,749&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,774&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,670&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,516&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,300&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,215&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,222&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,201&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Net interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,505&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,223&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,228&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,037&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,806&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,918&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,670&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,493&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Provision for&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;loan losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,500&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,950&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,100&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,800&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,400&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,535&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net interest income after provision for loan losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,405&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,223&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,728&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,087&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,706&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,118&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,270&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,958&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,277&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,234&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,080&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,159&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,168&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,896&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,492&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,722&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Non-interest expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,488&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,250&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,934&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,366&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,178&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,730&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,595&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,768&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Income before taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,194&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,207&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,874&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,880&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,696&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,284&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,167&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,912&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,051&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,014&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;868&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;858&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;783&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;961&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;944&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;683&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Net income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,143&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,193&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,006&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,022&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,913&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,323&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,223&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,229&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.27&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.28&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted earnings per share&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.27&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.29&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.28&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td colspan="32" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other comprehensive income (loss), net of tax&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net unrealized gain (loss) on securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;668&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,587&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,957&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(754&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(313&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;438&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,962&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,548&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized gain (loss) on postretirement benefits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(28&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(51&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other &amp;#160;comprehensive income (loss)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;673&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,592&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,961&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(782&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(308&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;443&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,967&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,599&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Comprehensive income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,816&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,785&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,967&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,240&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,605&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,766&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,190&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,630&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfQuarterlyFinancialInformationTableTextBlock>
  <!--Schedule of Financing Receivables, Non Accrual Status [Table Text Block]-->
  <us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information on nonaccrual loans as of December 31, 2012 and 2011 is presented in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;As of December 31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;4,603,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,064,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;101,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;3,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,784,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;10,333,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,194,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;19,150,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;27,806,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock>
  <!--Schedule of Net Benefit Costs [Table Text Block]-->
  <us-gaap:ScheduleOfNetBenefitCostsTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table sets forth the net periodic pension cost:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Components of net periodic benefit cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Service cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;107,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;117,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amortization of unrecognized transition obligation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amortization of prior service credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amortization of accumulated losses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net periodic benefit cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;152,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;164,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Weighted average discount rate for net periodic cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfNetBenefitCostsTableTextBlock>
  <!--Schedule of Net Periodic Benefit Cost Not yet Recognized [Table Text Block]-->
  <us-gaap:ScheduleOfNetPeriodicBenefitCostNotYetRecognizedTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In accordance with FASB ASC Topic 715, "Compensation &amp;#8211; Retirement Benefits", amounts not yet reflected in net periodic benefit cost and included in accumulated other comprehensive income (loss) are as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Portion to Be Recognized in&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income in 2013&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unamortized net actuarial loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(186,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(100,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized transition obligation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(34,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(191,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Deferred tax benefit (expense) at 35%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;68,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;47,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net unrecognized post-retirement benefits included in accumulated other comprehensive income (loss)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(123,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(87,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfNetPeriodicBenefitCostNotYetRecognizedTableTextBlock>
  <!--Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]-->
  <us-gaap:ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012, 19,727 shares of restricted stock had been granted under the 2010 Plan, as detailed in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Year&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Granted&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Vesting Term&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(In Years)&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Shares&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Remaining Term&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(In Years)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2.1&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.1&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,027&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2.2&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.0&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,704&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.2&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5.0&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,996&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4.2&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,727&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.4&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock>
  <!--Total borrowed funds-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:BorrowedFunds contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">282905000</us-gaap:BorrowedFunds>
  <!--Total borrowed funds-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:BorrowedFunds contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">290825000</us-gaap:BorrowedFunds>
  <!--Total borrowed funds-Fair Value, Inputs, Level 1 [Member]-->
  <us-gaap:BorrowedFunds contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</us-gaap:BorrowedFunds>
  <!--Total borrowed funds-Fair Value, Inputs, Level 2 [Member]-->
  <us-gaap:BorrowedFunds contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">290825000</us-gaap:BorrowedFunds>
  <!--Total borrowed funds-Fair Value, Inputs, Level 3 [Member]-->
  <us-gaap:BorrowedFunds contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</us-gaap:BorrowedFunds>
  <!--Total borrowed funds-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <us-gaap:BorrowedFunds contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">265663000</us-gaap:BorrowedFunds>
  <!--Total borrowed funds-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <us-gaap:BorrowedFunds contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">273568000</us-gaap:BorrowedFunds>
  <!--Allowance for Credit Losses [Text Block]-->
  <us-gaap:AllowanceForCreditLossesTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Note 6. Allowance for Loan Losses&lt;/u&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Company provides for loan losses through the establishment of an allowance for loan losses which represents an estimated reserve for existing losses in the loan portfolio. A systematic methodology is used for determining the allowance that includes a quarterly review process, risk rating changes, and adjustments to the allowance. The loan portfolio is classified in eight segments and credit risk is evaluated separately in each segment. The appropriate level of the allowance is evaluated continually based on a review of significant loans, with a particular emphasis on nonaccruing, past due, and other loans that may require special attention. Other factors include general conditions in local and national economies; loan portfolio composition and asset quality indicators; and internal factors such as changes in underwriting policies, credit administration practices, experience, ability and depth of lending management, among others.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;The following table summarizes the composition of the allowance for loan losses, by class of financing receivable and allowance, as of December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td colspan="8" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Allowance for Loans Evaluated Individually for Impairment&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td colspan="8" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Allowance for Loans Evaluated Collectively for Impairment&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;4,342,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,851,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;390,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;625,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,398,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;714,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;20,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;504,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;573,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;8,961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,942,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td colspan="8" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Total Allowance for Loan Losses&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;5,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,109,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div style="text-align: left;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;The allowance consists of four elements: (1) specific reserves for loans evaluated individually for impairment; (2) general reserves for each portfolio segment based on historical loan loss experience; (3) qualitative reserves judgmentally adjusted for local and national economic conditions, concentrations, portfolio composition, volume and severity of delinquencies and nonaccrual loans, trends of criticized and classified loans, changes in credit policies, and underwriting standards, credit administration practices, and other factors as applicable for each portfolio segment; and (4) unallocated reserves. All outstanding loans are considered in evaluating the appropriateness of the allowance.&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;A breakdown of the allowance for loan losses as of December 31, 2012 and 2011, by class of financing receivable and allowance element, is presented in the following tables:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Specific Reserves on Loans Evaluated Individually for Impairment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;General Reserves on Loans Based on Historical Loss Experience&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Reserves for Qualitative Factors&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,973,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;213,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;177,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;763,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;635,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;278,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,109,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;315,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;339,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;362,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;230,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,304,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,815,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Specific Reserves on Loans Evaluated Individually for Impairment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;General Reserves on Loans Based on Historical Loss Experience&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Reserves for Qualitative Factors&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;332,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;883,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;778,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;149,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;355,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;331,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;242,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,501,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,433,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The qualitative amount assigned to the substandard commercial loan segments declined between December 31, 2012, and December 31, 2011, to adjust historical loss averages for the impact of recent write downs taken on a large, atypical credit. Changes to qualitative adjustments for other major portfolio segments were not material in 2012. Qualitative adjustment factors are based upon Management's evaluation of various current conditions, including:&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 36pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&amp;#8226;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;General economic conditions.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 36pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&amp;#8226;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Credit quality trends with emphasis on loan delinquencies, nonaccrual levels and classified loans.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 36pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&amp;#8226;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Recent loss experience in particular segments of the portfolio.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 36pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&amp;#8226;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loan volumes and concentrations, including changes in mix.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 36pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&amp;#8226;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other factors, including changes in quality of the loan origination; loan policy changes; changes in credit risk management processes; Bank regulatory and external loan review examination results.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The unallocated component is available to cover imprecision or uncertainties to incorporate the range of probable outcomes inherent in estimates used for the allowance, which may change from period to period. An example of this could be a delay in receiving an updated appraisal on a troubled credit. The unallocated component totaled $842,000 at December, 2012 compared to $2.0 million as of December 31, 2011. The decline in the unallocated amount was deemed appropriate due to the following:&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 36pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&amp;#8226;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Given more certainty in the status of several loans between December 31, 2011 and December 31, 2012, $666,000 was transferred from unallocated to specific reserves.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 36pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"&gt;&amp;#8226;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Credit quality improved significantly in 2012. Net loan chargeoffs were $8,335,000 or 0.95% of average loans, down $2,531,000 from net chargeoffs of $10,866,000 or 1.23% of average loans in 2011. Non-performing assets stood at 1.89% of total assets as of December 31, 2012 compared to 2.32% of total assets at December 31, 2011. Past-due loans were 2.67% of total loans as of December 31, 2012, the lowest year-end total in the past five years and well below 3.07% of total loans as of December 31, 2011. Management determined a lower level of unallocated was appropriate and reduced unallocated reserves by $500,000.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Commercial loans are comprised of three major classes, commercial real estate loans, commercial construction loans and other commercial loans. Commercial real estate is primarily comprised of loans to small businesses collateralized by owner-occupied real estate, while other commercial is primarily comprised of loans to small businesses collateralized by plant and equipment, commercial fishing vessels and gear, and limited inventory-based&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;lending. Commercial real estate loans typically have a maximum loan-to-value of 75% based upon current appraisal information at the time the loan is made. Municipal loans are comprised of loans to municipalities in Maine for capitalized expenditures, construction projects or tax-anticipation notes. All municipal loans are considered general obligations of the municipality and are collateralized by the taxing ability of the municipality for repayment of debt.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Construction loans, both commercial and residential, comprise a very small portion of the portfolio, and at 23.0% of capital are well under the regulatory guidance of 100.0% of capital at December 31, 2012. Construction loans and non-owner-occupied commercial real estate loans are at 81.0% of total capital, well under regulatory guidance of 300.0% of capital at December 31, 2012.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The process of establishing the allowance with respect to the commercial loan portfolio begins when a loan officer initially assigns each loan a risk rating, using established credit criteria. Approximately 50% of the outstanding loans&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;and commitments are subject to review and validation annually by an independent consultant, as well as periodically by the Company's internal credit review function. The methodology employs Management's judgment as to the level of losses on existing loans based on internal review of the loan portfolio, including an analysis of a borrower's current financial position, and the consideration of current and anticipated economic conditions and their potential effects on specific borrowers and or lines of business. In determining the Company's ability to collect certain loans, Management also considers the fair value of underlying collateral. The risk rating system has eight levels, defined as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Strong&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Credits rated "1" are characterized by borrowers fully responsible for the credit with excellent capacity to pay principal and interest. Loans rated "1" may be secured with acceptable forms of liquid collateral.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Above Average&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Credits rated "2" are characterized by borrowers that have better than average liquidity, capitalization, earnings and/or cash flow with a consistent record of solid financial performance.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Satisfactory&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Credits rated "3" are characterized by borrowers with favorable liquidity, profitability and financial condition with adequate cash flow to pay debt service.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Average&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Credits rated "4" are characterized by borrowers that present risk more than 1, 2 and 3 rated loans and merit an ordinary level of ongoing monitoring. Financial condition is on par or somewhat below industry averages while cash flow is generally adequate to meet debt service requirements.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;5&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Watch&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Credits rated "5" are characterized by borrowers that warrant greater monitoring due to financial condition or unresolved and identified risk factors.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;6&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other Assets Especially Mentioned (OAEM)&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans in this category are currently protected but are potentially weak and constitute an undue and unwarranted credit risk, but not to the point of justifying a classification of substandard. OAEM have potential weaknesses which may, if not checked or corrected, weaken the asset or inadequately protect the Bank's credit position at some future date.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;7&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Substandard&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans in this category are inadequately protected by the current paying capacity of the borrower or of the collateral, if any. These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. Substandard loans are characterized by the distinct possibility that the Bank may sustain some loss if deficiencies are not corrected.&lt;/div&gt;&lt;div style="text-align: left;"&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;8&lt;/font&gt;&lt;font style="font-size: 6pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&lt;/font&gt;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Doubtful&lt;/font&gt;&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Loans classified "Doubtful" have the same weaknesses as those classified substandard with the added characteristic that the weaknesses make collection or liquidation in full, based on currently existing facts, conditions, and values, highly questionable and improbable. The possibility of loss is high, but because of certain important and reasonably specific pending factors which may work to the advantage and strengthening of the asset, its classification as an estimated loss is deferred until its more exact status may be determined.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the risk ratings for the Company's commercial construction, commercial real estate, commercial other and municipal loans as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Risk-&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Rated Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1 Strong&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,731,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,021,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2 Above average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,871,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,274,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,084,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,061,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,290,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3 Satisfactory&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;34,454,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,312,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,487,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;54,831,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4 &amp;#160;Average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,712,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,322,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;28,618,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,425,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;143,077,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5 Watch&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;43,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,721,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,524,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;64,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6 OAEM&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,302,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;79,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7 Substandard&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,709,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,806,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;46,668,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8 Doubtful&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;455,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;457,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;369,639,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the risk ratings for the Company's commercial construction, commercial real estate, commercial other and municipal loans as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Risk-&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Rated Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1 Strong&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;465,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,158,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2 Above average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;21,334,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,229,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,509,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,072,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3 Satisfactory&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,119,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,365,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,981,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,861,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;49,326,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4 &amp;#160;Average&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;106,171,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,125,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,600,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,693,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;157,589,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5 Watch&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,215,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;17,893,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;65,395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6 OAEM&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,309,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;25,932,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7 Substandard&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31,575,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,323,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,362,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;55,260,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8 Doubtful&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;678,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,154,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;149,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,981,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;391,201,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Commercial loans are generally charged off when all or a portion of the principal amount is determined to be uncollectible. This determination is based on circumstances specific to a borrower including repayment ability, analysis of collateral and other factors as applicable.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Residential loans are comprised of two classes: term loans, which include traditional amortizing home mortgages, and construction loans, which include loans for owner-occupied residential construction. Residential loans typically have a 75% to 80% loan to value based upon current appraisal information at the time the loan is made. Home equity loans and lines of credit are typically written to the same underwriting standards. Consumer loans are primarily amortizing loans to individuals collateralized by automobiles, pleasure craft and recreation vehicles, typically with a maximum loan to value of 80% to 90% of the purchase price of the collateral. Consumer loans also include a small amount of unsecured short-term time notes to individuals.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Residential loans, consumer loans and home equity lines of credit are segregated into homogeneous pools with similar risk characteristics. Trends and current conditions are analyzed and historical loss experience is adjusted&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;accordingly. Quantitative and qualitative adjustment factors for these segments are consistent with those for the commercial and municipal classes. Certain loans in the residential, home equity lines of credit and consumer classes identified as having the potential for further deterioration are analyzed individually to confirm impairment status, and to determine the need for a specific reserve, however there is no formal rating system used for these classes. Consumer loans greater than 120 days past due are generally charged off. Residential loans 90 days or more past due are placed on non-accrual status unless the loans are both well secured and in the process of collection.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;There were no changes to the Company's accounting policies or methodology used to estimate the allowance for loan losses during the year ended December 31, 2012. Allowance for loan losses transactions for the years ended December 31, 2012, 2011 and 2010 were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For the year ended&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home Equity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Term&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Line of Credit&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Charge offs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,394,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;928,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,215,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,911,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;389,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;555,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,080,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;246,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;113,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;110,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;54,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;208,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;745,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Provision&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,587,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,383,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,089,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,751,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;746,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;355,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,166,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,835,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,109,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,342,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;390,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,398,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;714,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Related loan balances:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;379,447,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;99,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;869,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,774,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,354,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,861,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,444,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,311,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;45,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,561,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;75,322,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;360,003,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;97,771,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;823,540,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For the year ended&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home Equity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Term&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Line of Credit&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,260,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,012,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,377,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,408,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;670,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,880,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,316,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Charge offs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,619,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;346,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,492,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,421,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;505,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;415,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;381,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,179,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Provision&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,995,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,118,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,165,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;716,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;339,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;97,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;128,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,550,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,851,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;625,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;20,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;504,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;573,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,942,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Related loan balances:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;341,286,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,469,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;105,244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;864,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,702,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,042,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;245,283,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;26,872,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;79,940,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;324,465,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;104,081,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,735,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;822,868,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For the year ended&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home Equity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2010&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Term&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Line of Credit&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,986,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;807,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,363,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;174,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;515,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;717,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,854,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,637,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Charge offs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,005,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;175,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,125,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;392,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,361,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;951,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,017,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;69,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;219,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;296,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Provision&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,275,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;380,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;70,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;598,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,231,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,400,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,260,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,012,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,377,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,408,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;670,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,880,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,316,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;192,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;152,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;122,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;67,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,256,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,068,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;860,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,086,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;976,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;548,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;579,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,880,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,060,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Related loan balances:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;245,540,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;41,869,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,462,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;21,833,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;337,927,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,512,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;105,297,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;887,596,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,946,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;937,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,753,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,455,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,567,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;519,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;106,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;25,283,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;239,594,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;40,932,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,709,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;21,833,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;325,472,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,945,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;104,778,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;862,313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Troubled Debt Restructured&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;A TDR constitutes a restructuring of debt if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan based upon the following criteria:&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 18pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: Symbol, serif; font-size: 10pt;"&gt;&amp;#183;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The borrower demonstrates financial difficulty; common indicators include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender, and&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" class="DSPFListTable" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="width: 18pt; vertical-align: top; align: right;"&gt;&lt;div style="text-align: left; font-family: Symbol, serif; font-size: 10pt;"&gt;&amp;#183;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: auto; vertical-align: top;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank has granted a concession; common concession types include maturity date extension, interest rate adjustments to below market pricing, and deferment of payments.&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The Bank applies the same interest accrual policy to TDRs as it does for all classes of loans. As of December 31, 2012 we had 101 loans with a value of $29,955,000 that have been restructured. This compares to 59 loans with a value of $22,858,000 classified as TDRs as of December 31, 2011. The impairment carried as a specific reserve in the allowance for loan losses is calculated by present valuing the cashflow modification on the loan, or, for collateral-dependent loans, using the fair value of the collateral less costs to sell.&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows TDRs by class and the specific reserve as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;823,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,319,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,074,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;53&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,945,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;224,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;656,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29,955,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,590,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows TDRs by class and the specific reserve as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,506,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;97,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;43&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,924,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;363,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;59&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,858,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;733,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012, 12 of the loans classified as TDRs with a total balance of $2,413,000 were more than 30 days past due. Of these loans, six loans with an outstanding balance of $1,059,000 had been placed on TDR status in the previous 12 months. The following table shows past-due TDRs by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;760,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,624,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;67,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,413,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;67,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011, 14 of the loans classified as TDRs with a total balance of $2,841,000 were more than 30 days past due. Of these loans, six loans with an outstanding balance of $1,588,000 had been placed on TDR status in the previous 12 months. The following table shows past-due TDRs by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,154,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;96,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;47,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,591,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;52,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,841,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;During the year ended December 31, 2012, 52 loans were placed on TDR status with an outstanding balance of $14,657,000. These were considered TDRs because concessions had been granted to borrowers experiencing financial difficulties. Concessions include reductions in interest rates, principal and/or interest forbearance, payment extensions, or combinations thereof. &amp;#160;The following table shows loans placed on TDR status during the year ended December 31, 2012, by class of loan and the associated specific reserve included in the allowance for loan losses as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Pre-Modification&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Post-Modification Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,149,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;180,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,319,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,333,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,887,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,903,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;543,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,974,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,989,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;77,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;656,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;656,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,030,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,769,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;During the year ended December 31, 2011, 31 loans were placed on TDR status with an outstanding balance of $18,325,000. These were considered to be TDRs because concessions had been granted to borrowers experiencing financial difficulties. Concessions include reductions in interest rates, principal and/or interest forbearance, payment extensions, or combinations thereof. The following table shows loans placed on TDR status in 2011 by type of loan and the associated specific reserve included in the allowance for loan losses as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Pre-Modification&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Post-Modification Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,506,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,506,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;97,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,391,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,391,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;258,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; 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color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,325,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,325,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;628,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012, Management is aware of 11 loans classified as TDRs that are involved in bankruptcy with an outstanding balance of $1,158,000. As of December 31, 2012, there were 24 loans with an outstanding balance of $3,363,000 that were classified as TDRs and were on non-accrual status, five of which, with an outstanding balance of $521,000, were in the process of foreclosure.&lt;/div&gt;&lt;/div&gt;</us-gaap:AllowanceForCreditLossesTextBlock>
  <!--Use of Estimates in Preparation of Financial Statements-->
  <us-gaap:UseOfEstimates contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Use of Estimates in Preparation of Financial Statements&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In preparing the financial statements in accordance with accounting principles generally accepted in the United States of America, Management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the date of the balance sheet and revenues and expenses for the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, goodwill, the valuation of mortgage servicing rights, and other-than-temporary impairment of securities.&lt;/div&gt;&lt;/div&gt;</us-gaap:UseOfEstimates>
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  <us-gaap:SegmentReportingPolicyPolicyTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Segments&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The First Bancorp, Inc., through the branches of its subsidiary, The First, N.A., provides a broad range of financial services to individuals and companies in coastal Maine. These services include demand, time, and savings deposits; lending; ATM processing; and investment management and trust services. Operations are managed and financial performance is evaluated on a corporate-wide basis. Accordingly, all of the Company's banking operations are considered by Management to be aggregated in one reportable operating segment.&lt;/div&gt;&lt;/div&gt;</us-gaap:SegmentReportingPolicyPolicyTextBlock>
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  <us-gaap:HeldToMaturitySecuritiesUnrecognizedHoldingLoss contextRef="c20121231_DebtSecurityAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:HeldToMaturitySecuritiesUnrecognizedHoldingLoss>
  <!--Held-to-maturity Securities, Unrecognized Holding Loss-->
  <us-gaap:HeldToMaturitySecuritiesUnrecognizedHoldingLoss contextRef="c20121231" unitRef="U001" decimals="0">201000</us-gaap:HeldToMaturitySecuritiesUnrecognizedHoldingLoss>
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  <us-gaap:HeldToMaturitySecuritiesUnrecognizedHoldingLoss contextRef="c20111231" unitRef="U001" decimals="0">175000</us-gaap:HeldToMaturitySecuritiesUnrecognizedHoldingLoss>
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  <!--Available-for-sale Securities, Gross Unrealized Losses-->
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 contextRef="c20121231" unitRef="U001" decimals="0">538000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <!--Available-for-sale Securities, Gross Unrealized Losses-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">178000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <!--Available-for-sale Securities, Gross Unrealized Losses-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">17000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <!--Available-for-sale Securities, Gross Unrealized Losses-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">287000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <!--Available-for-sale Securities, Gross Unrealized Losses-Other Equity Securities [Member]-->
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">139000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <!--Available-for-sale Securities, Gross Unrealized Losses-->
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 contextRef="c20111231" unitRef="U001" decimals="0">621000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <!--Net loss-Bank Acquisitions From Camden National Bank [Member]-->
  <us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">-25000</us-gaap:BusinessAcquisitionsProFormaNetIncomeLoss>
  <!--Less liabilities assumed-->
  <us-gaap:LiabilitiesAssumed1 contextRef="c20120101to20121231" unitRef="U001" decimals="0">31874000</us-gaap:LiabilitiesAssumed1>
  <!--Less liabilities assumed-->
  <us-gaap:LiabilitiesAssumed1 contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</us-gaap:LiabilitiesAssumed1>
  <!--Less liabilities assumed-->
  <us-gaap:LiabilitiesAssumed1 contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</us-gaap:LiabilitiesAssumed1>
  <!--Net transfer from loans to other real estate owned-->
  <us-gaap:TransferOfOtherRealEstate contextRef="c20120101to20121231" unitRef="U001" decimals="0">7234000</us-gaap:TransferOfOtherRealEstate>
  <!--Net transfer from loans to other real estate owned-->
  <us-gaap:TransferOfOtherRealEstate contextRef="c20110101to20111231" unitRef="U001" decimals="0">5566000</us-gaap:TransferOfOtherRealEstate>
  <!--Net transfer from loans to other real estate owned-->
  <us-gaap:TransferOfOtherRealEstate contextRef="c20100101to20101231" unitRef="U001" decimals="0">3780000</us-gaap:TransferOfOtherRealEstate>
  <!--Term of options, maximum (in years)-->
  <us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriodMaximum contextRef="c20120101to20121231">10</us-gaap:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriodMaximum>
  <!--Unrealized gain or loss on postretirement benefit-->
  <us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes activity in the unrealized gain or loss on postretirement benefits included in other comprehensive income for the years ended December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized postretirement benefits &amp;#160;at beginning of period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(87,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(73,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Change in unrecognized postretirement benefits&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Related deferred taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;21,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized postretirement benefits at end of period&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(123,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(87,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock>
  <!--Basic and diluted earnings per share (EPS)-->
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table provides detail for basic earnings per share (EPS) and diluted earnings per share for the years ended December 31, 2012, 2011 and 2010:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Shares&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Per-Share&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(Numerator)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(Denominator)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Amount&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;For the year ended December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net income as reported&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less dividends and amortization of premium on preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;723,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 0.25pt solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 0.25pt solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.25pt; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic EPS: Income available to common shareholders&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,965,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,828,925&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.22&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Effect of dilutive securities: restricted stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;17,606&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted EPS: Income available to common shareholders plus assumed conversions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,965,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,846,531&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.22&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;For the year ended December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net income as reported&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,364,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less dividends and amortization of premium on preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,208,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic EPS: Income available to common shareholders&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,788,610&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.14&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Effect of dilutive securities: incentive stock options and restricted stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,619&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted EPS: Income available to common shareholders plus assumed conversions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,798,229&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.14&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;For the year ended December 31, 2010&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net income as reported&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,116,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less dividends and amortization of premium on preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,348,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Basic EPS: Income available to common shareholders&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,768,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,760,760&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.10&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Effect of dilutive securities: incentive stock options and restricted stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,726&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Diluted EPS: Income available to common shareholders plus assumed conversions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,768,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,765,486&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.10&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <!--Outstanding options, end of period, weighted average remaining contractual term (in years)-->
  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm1 contextRef="c20121231" unitRef="U004" decimals="1">2.0</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm1>
  <!--Exercisable options, end of period, aggregate intrinsic value-->
  <us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1 contextRef="c20121231" unitRef="U001" decimals="0">0</us-gaap:SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1>
  <!--Less than 12 months, Unrealized Losses-US Treasury and Government [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">-182000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">-231000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">-199000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-Other Equity Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20121231" unitRef="U001" decimals="0">-612000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-US Treasury and Government [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">-25000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">-17000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-Other Equity Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">-120000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--Less than 12 months, Unrealized Losses-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1 contextRef="c20111231" unitRef="U001" decimals="0">-162000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1>
  <!--12 months or more, Unrealized Losses-US Treasury and Government [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">-83000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-Other Equity Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">-44000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20121231" unitRef="U001" decimals="0">-127000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-US Treasury and Government [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">-156000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
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  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">-172000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">-287000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-Other Equity Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">-19000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
  <!--12 months or more, Unrealized Losses-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1 contextRef="c20111231" unitRef="U001" decimals="0">-634000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1>
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  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">-182000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">-314000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
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  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">-199000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-Other Equity Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20121231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">-44000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20121231" unitRef="U001" decimals="0">-739000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-US Treasury and Government [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USTreasuryAndGovernmentMember" unitRef="U001" decimals="0">0</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-Collateralized Mortgage Backed Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_MortgageBackedSecuritiesMember" unitRef="U001" decimals="0">-181000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-US States and Political Subdivisions Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_USStatesAndPoliticalSubdivisionsMember" unitRef="U001" decimals="0">-189000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-Corporate Debt Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_CorporateDebtSecuritiesMember" unitRef="U001" decimals="0">-287000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-Other Equity Securities [Member]-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20111231_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_EquitySecuritiesOtherMember" unitRef="U001" decimals="0">-139000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses-->
  <us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1 contextRef="c20111231" unitRef="U001" decimals="0">-796000</us-gaap:AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1>
  <!--Contractual Maturities of Investment Securities-->
  <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the contractual maturities of investment securities at December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 year or less&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,761,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,926,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,754,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,785,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 to 5 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,243,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,950,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,701,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 5 to 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,686,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;17,666,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,461,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;29,986,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due after 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;215,131,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,629,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100,155,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;103,775,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;279,399,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table summarizes the contractual maturities of investment securities at December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;In thousands of dollars&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;br /&gt;&lt;/font&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Amortized&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;br /&gt;&lt;/font&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Fair Value (Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 year or less&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,617,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,773,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,179,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,227,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 1 to 5 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,792,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,473,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,085,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due in 5 to 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,219,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,065,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,027,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,694,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Due after 10 years&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;224,653,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;234,458,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;84,370,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;90,102,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,535,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;274,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;122,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;130,677,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
  <!--Anticipated loan prepayment rate of servicing assets (in hundredths)-->
  <us-gaap:ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed contextRef="c20120101to20121231" unitRef="U004" decimals="2">24.72</us-gaap:ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed>
  <!--Amendment Flag-->
  <dei:AmendmentFlag contextRef="c20120101to20121231">false</dei:AmendmentFlag>
  <!--Current Fiscal Year End Date-->
  <dei:CurrentFiscalYearEndDate contextRef="c20120101to20121231">--12-31</dei:CurrentFiscalYearEndDate>
  <!--Document Period End Date-->
  <dei:DocumentPeriodEndDate contextRef="c20120101to20121231">2012-12-31</dei:DocumentPeriodEndDate>
  <!--Entity Well-known Seasoned Issuer-->
  <dei:EntityWellKnownSeasonedIssuer contextRef="c20120101to20121231">No</dei:EntityWellKnownSeasonedIssuer>
  <!--Entity Voluntary Filers-->
  <dei:EntityVoluntaryFilers contextRef="c20120101to20121231">No</dei:EntityVoluntaryFilers>
  <!--Entity Current Reporting Status-->
  <dei:EntityCurrentReportingStatus contextRef="c20120101to20121231">Yes</dei:EntityCurrentReportingStatus>
  <!--Entity Filer Category-->
  <dei:EntityFilerCategory contextRef="c20120101to20121231">Accelerated Filer</dei:EntityFilerCategory>
  <!--Entity Registrant Name-->
  <dei:EntityRegistrantName contextRef="c20120101to20121231">First Bancorp, Inc /ME/</dei:EntityRegistrantName>
  <!--Entity Central Index Key-->
  <dei:EntityCentralIndexKey contextRef="c20120101to20121231">0000765207</dei:EntityCentralIndexKey>
  <!--Document Fiscal Year Focus-->
  <dei:DocumentFiscalYearFocus contextRef="c20120101to20121231">2012</dei:DocumentFiscalYearFocus>
  <!--Document Fiscal Period Focus-->
  <dei:DocumentFiscalPeriodFocus contextRef="c20120101to20121231">FY</dei:DocumentFiscalPeriodFocus>
  <!--Document Type-->
  <dei:DocumentType contextRef="c20120101to20121231">10-K</dei:DocumentType>
  <!--Restricted equity securities, at cost-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20121231" unitRef="U001" decimals="0">14448000</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20111231" unitRef="U001" decimals="0">15443000</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">14448000</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">14448000</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-Fair Value, Inputs, Level 1 [Member]-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-Fair Value, Inputs, Level 2 [Member]-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">14448000</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-Fair Value, Inputs, Level 3 [Member]-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">15443000</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Restricted equity securities, at cost-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <fnlc:RestrictedEquitySecuritiesAtCost contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">15443000</fnlc:RestrictedEquitySecuritiesAtCost>
  <!--Book value per common share-->
  <fnlc:BookValuePerCommonShare contextRef="c20121231" unitRef="U003" decimals="2">14.60</fnlc:BookValuePerCommonShare>
  <!--Book value per common share-->
  <fnlc:BookValuePerCommonShare contextRef="c20111231" unitRef="U003" decimals="2">14.12</fnlc:BookValuePerCommonShare>
  <!--Tangible book value per common share-->
  <fnlc:TangibleBookValuePerCommonShare contextRef="c20121231" unitRef="U003" decimals="2">11.47</fnlc:TangibleBookValuePerCommonShare>
  <!--Tangible book value per common share-->
  <fnlc:TangibleBookValuePerCommonShare contextRef="c20111231" unitRef="U003" decimals="2">11.20</fnlc:TangibleBookValuePerCommonShare>
  <!--Interest Income And Fees On Loans Tax Exempt-->
  <fnlc:InterestIncomeAndFeesOnLoansTaxExempt contextRef="c20120101to20121231" unitRef="U001" decimals="0">629000</fnlc:InterestIncomeAndFeesOnLoansTaxExempt>
  <!--Interest Income And Fees On Loans Tax Exempt-->
  <fnlc:InterestIncomeAndFeesOnLoansTaxExempt contextRef="c20110101to20111231" unitRef="U001" decimals="0">696000</fnlc:InterestIncomeAndFeesOnLoansTaxExempt>
  <!--Interest Income And Fees On Loans Tax Exempt-->
  <fnlc:InterestIncomeAndFeesOnLoansTaxExempt contextRef="c20100101to20101231" unitRef="U001" decimals="0">868000</fnlc:InterestIncomeAndFeesOnLoansTaxExempt>
  <!--Unrealized gain on securities available for sale-->
  <fnlc:UnrealizedGainOnSecuritiesAvailableForSale contextRef="c20121231" unitRef="U001" decimals="0">829000</fnlc:UnrealizedGainOnSecuritiesAvailableForSale>
  <!--Unrealized gain on securities available for sale-->
  <fnlc:UnrealizedGainOnSecuritiesAvailableForSale contextRef="c20111231" unitRef="U001" decimals="0">14551000</fnlc:UnrealizedGainOnSecuritiesAvailableForSale>
  <!--Unrealized gain on securities available for sale-->
  <fnlc:UnrealizedGainOnSecuritiesAvailableForSale contextRef="c20101231" unitRef="U001" decimals="0">-2973000</fnlc:UnrealizedGainOnSecuritiesAvailableForSale>
  <!--Accumulated Other Comprehensive Income Defined Benefit Plans Tax, Deferred tax benefit-->
  <fnlc:AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit contextRef="c20121231" unitRef="U001" decimals="0">-68000</fnlc:AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit>
  <!--Accumulated Other Comprehensive Income Defined Benefit Plans Tax, Deferred tax benefit-->
  <fnlc:AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit contextRef="c20111231" unitRef="U001" decimals="0">-47000</fnlc:AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit>
  <!--Accumulated Other Comprehensive Income Defined Benefit Plans Tax, Deferred tax benefit-->
  <fnlc:AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit contextRef="c20131231" unitRef="U001" decimals="0">7000</fnlc:AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit>
  <!--Related tax expense (benefit)-->
  <fnlc:RelatedTaxExpenseBenefit contextRef="c20121231" unitRef="U001" decimals="0">290000</fnlc:RelatedTaxExpenseBenefit>
  <!--Related tax expense (benefit)-->
  <fnlc:RelatedTaxExpenseBenefit contextRef="c20111231" unitRef="U001" decimals="0">5093000</fnlc:RelatedTaxExpenseBenefit>
  <!--Related tax expense (benefit)-->
  <fnlc:RelatedTaxExpenseBenefit contextRef="c20101231" unitRef="U001" decimals="0">-1041000</fnlc:RelatedTaxExpenseBenefit>
  <!--Related tax expense (benefit) - postretirement-->
  <fnlc:RelatedTaxExpenseBenefit-Postretirement contextRef="c20121231" unitRef="U001" decimals="0">-20000</fnlc:RelatedTaxExpenseBenefit-Postretirement>
  <!--Related tax expense (benefit) - postretirement-->
  <fnlc:RelatedTaxExpenseBenefit-Postretirement contextRef="c20111231" unitRef="U001" decimals="0">-8000</fnlc:RelatedTaxExpenseBenefit-Postretirement>
  <!--Related tax expense (benefit) - postretirement-->
  <fnlc:RelatedTaxExpenseBenefit-Postretirement contextRef="c20101231" unitRef="U001" decimals="0">75000</fnlc:RelatedTaxExpenseBenefit-Postretirement>
  <!--Unrecognized postretirement benefits-->
  <fnlc:UnrecognizedPostretirementBenefits contextRef="c20121231" unitRef="U001" decimals="0">-56000</fnlc:UnrecognizedPostretirementBenefits>
  <!--Unrecognized postretirement benefits-->
  <fnlc:UnrecognizedPostretirementBenefits contextRef="c20111231" unitRef="U001" decimals="0">-22000</fnlc:UnrecognizedPostretirementBenefits>
  <!--Unrecognized postretirement benefits-->
  <fnlc:UnrecognizedPostretirementBenefits contextRef="c20101231" unitRef="U001" decimals="0">213000</fnlc:UnrecognizedPostretirementBenefits>
  <!--Interest-bearing deposits in other banks-->
  <fnlc:Interest-InterestBearingDepositsInOtherBanks contextRef="c20120101to20121231" unitRef="U001" decimals="0">1638000</fnlc:Interest-InterestBearingDepositsInOtherBanks>
  <!--Interest-bearing deposits in other banks-->
  <fnlc:Interest-InterestBearingDepositsInOtherBanks contextRef="c20110101to20111231" unitRef="U001" decimals="0">-100000</fnlc:Interest-InterestBearingDepositsInOtherBanks>
  <!--Interest-bearing deposits in other banks-->
  <fnlc:Interest-InterestBearingDepositsInOtherBanks contextRef="c20100101to20101231" unitRef="U001" decimals="0">100000</fnlc:Interest-InterestBearingDepositsInOtherBanks>
  <!--Redemption of restricted equity securities-->
  <fnlc:RedemptionOfRestrictedEquitySecurities contextRef="c20120101to20121231" unitRef="U001" decimals="0">995000</fnlc:RedemptionOfRestrictedEquitySecurities>
  <!--Redemption of restricted equity securities-->
  <fnlc:RedemptionOfRestrictedEquitySecurities contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</fnlc:RedemptionOfRestrictedEquitySecurities>
  <!--Redemption of restricted equity securities-->
  <fnlc:RedemptionOfRestrictedEquitySecurities contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</fnlc:RedemptionOfRestrictedEquitySecurities>
  <!--Proceeds from sale of equipment-->
  <fnlc:ProceedsFromSaleOfEquipment contextRef="c20120101to20121231" unitRef="U001" decimals="0">42000</fnlc:ProceedsFromSaleOfEquipment>
  <!--Proceeds from sale of equipment-->
  <fnlc:ProceedsFromSaleOfEquipment contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</fnlc:ProceedsFromSaleOfEquipment>
  <!--Proceeds from sale of equipment-->
  <fnlc:ProceedsFromSaleOfEquipment contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</fnlc:ProceedsFromSaleOfEquipment>
  <!--Cash acquired, net of cash paid, in branch acquisitions-->
  <fnlc:CashAcquiredNetOfCashPaidInBranchAcquisitions contextRef="c20120101to20121231" unitRef="U001" decimals="0">25297000</fnlc:CashAcquiredNetOfCashPaidInBranchAcquisitions>
  <!--Cash acquired, net of cash paid, in branch acquisitions-->
  <fnlc:CashAcquiredNetOfCashPaidInBranchAcquisitions contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</fnlc:CashAcquiredNetOfCashPaidInBranchAcquisitions>
  <!--Cash acquired, net of cash paid, in branch acquisitions-->
  <fnlc:CashAcquiredNetOfCashPaidInBranchAcquisitions contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</fnlc:CashAcquiredNetOfCashPaidInBranchAcquisitions>
  <!--Troubled Debt Restructured [Text Block]-->
  <fnlc:TroubledDebtRestructuredTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Troubled Debt Restructured&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;A troubled debt restructured ("TDR") constitutes a restructuring of debt if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan to first determine if the borrower demonstrates financial difficulty. Common indicators of this include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender. If the borrower is experiencing financial difficulty and concessions are granted, such as maturity date extension, interest rate adjustments to below market pricing, or a deferment of payments, the loan will generally be classified as a TDR.&lt;/div&gt;&lt;/div&gt;</fnlc:TroubledDebtRestructuredTextBlock>
  <!--Accrual of Interest Income and Expense [Policy Text Block]-->
  <fnlc:AccrualOfInterestIncomeAndExpensePolicyTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Accrual of Interest Income and Expense&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest on loans and investment securities is taken into income using methods which relate the income earned to the balances of loans and investment securities outstanding. Interest expense on liabilities is derived by applying applicable interest rates to principal amounts outstanding. For all classes of loans, recording of interest income on problem loans, which includes impaired loans, ceases when collectibility of principal and interest within a reasonable period of time becomes doubtful. Cash payments received on non-accrual loans, which includes impaired loans, are applied to reduce the loan's principal balance until the remaining principal balance is deemed collectible, after which interest is recognized when collected. As a general rule, a loan may be restored to accrual status when payments are current for a substantial period of time, generally six months, and repayment of the remaining contractual amounts is expected or when it otherwise becomes well secured and in the process of collection.&lt;/div&gt;&lt;/div&gt;</fnlc:AccrualOfInterestIncomeAndExpensePolicyTextBlock>
  <!--Comprehensive Income [Text Block]-->
  <fnlc:ComprehensiveIncomeTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Comprehensive Income&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Comprehensive income includes net income and other comprehensive income (loss), which is comprised of the change in unrealized gains and losses on securities available for sale, net of tax, and unrecognized gains and loss related to post-retirement benefit costs, net of tax.&lt;/div&gt;&lt;/div&gt;</fnlc:ComprehensiveIncomeTextBlock>
  <!--Schedule of Available For Sale Held to Maturity and Restricted Equity Securities [Table Text Block]-->
  <fnlc:ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following tables summarize the amortized cost and estimated fair value of investment securities at December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Amortized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Fair Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gains&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;164,752,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,636,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(295,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;169,093,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;113,069,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,074,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(199,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;120,944,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,577,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;279,399,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,753,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(538,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;291,614,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,919,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;242,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(182,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,979,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;39,193,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,850,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,024,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,908,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,036,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;46,944,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,320,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,128,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(201,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;150,247,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Restricted equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Home Loan Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Reserve Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,036,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,036,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,448,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Amortized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unrealized&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Fair Value&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Cost&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Gains&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Losses&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(Estimated)&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities available for sale&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;191,924,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,486,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(178,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;198,232,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;80,259,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,484,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(17,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;85,726,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,098,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(287,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,535,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(139,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,433,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;274,816,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,007,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(621,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;286,202,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Securities to be held to maturity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;U.S. Government-sponsored agencies&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,390,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;132,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,522,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Mortgage-backed securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;56,800,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,900,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(3,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,697,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;State and political subdivisions&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;46,171,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(172,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;50,158,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Corporate securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;300,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;122,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,191,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(175,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;130,677,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Restricted equity securities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Home Loan Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,031,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,031,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Federal Reserve Bank Stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,412,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,443,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</fnlc:ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock>
  <!--Residential Mortgage Loans Serviced For Others Outstanding Principal-->
  <fnlc:ResidentialMortgageLoansServicedForOthersOutstandingPrincipal contextRef="c20121231" unitRef="U001" decimals="0">205859000</fnlc:ResidentialMortgageLoansServicedForOthersOutstandingPrincipal>
  <!--Residential Mortgage Loans Serviced For Others Outstanding Principal-->
  <fnlc:ResidentialMortgageLoansServicedForOthersOutstandingPrincipal contextRef="c20111231" unitRef="U001" decimals="0">238221000</fnlc:ResidentialMortgageLoansServicedForOthersOutstandingPrincipal>
  <!--Net gain from sale of loans-->
  <fnlc:NetGainFromSaleOfLoans contextRef="c20121231" unitRef="U001" decimals="0">1191000</fnlc:NetGainFromSaleOfLoans>
  <!--Net gain from sale of loans-->
  <fnlc:NetGainFromSaleOfLoans contextRef="c20111231" unitRef="U001" decimals="0">756000</fnlc:NetGainFromSaleOfLoans>
  <!--Net gain from sale of loans-->
  <fnlc:NetGainFromSaleOfLoans contextRef="c20101231" unitRef="U001" decimals="0">977000</fnlc:NetGainFromSaleOfLoans>
  <!--Mortgage Servicing Rights Gross-->
  <fnlc:MortgageServicingRightsGross contextRef="c20121231" unitRef="U001" decimals="0">6430000</fnlc:MortgageServicingRightsGross>
  <!--Mortgage Servicing Rights Gross-->
  <fnlc:MortgageServicingRightsGross contextRef="c20111231" unitRef="U001" decimals="0">6099000</fnlc:MortgageServicingRightsGross>
  <!--Accumulated Amortization Mortgage Servicing Rights-->
  <fnlc:AccumulatedAmortizationMortgageServicingRights contextRef="c20121231" unitRef="U001" decimals="0">5473000</fnlc:AccumulatedAmortizationMortgageServicingRights>
  <!--Accumulated Amortization Mortgage Servicing Rights-->
  <fnlc:AccumulatedAmortizationMortgageServicingRights contextRef="c20111231" unitRef="U001" decimals="0">4837000</fnlc:AccumulatedAmortizationMortgageServicingRights>
  <!--Reserve For Impairment of Mortgage Servicing Rights-->
  <fnlc:ReserveForImpairmentOfMortgageServicingRights contextRef="c20121231" unitRef="U001" decimals="0">90000</fnlc:ReserveForImpairmentOfMortgageServicingRights>
  <!--Reserve For Impairment of Mortgage Servicing Rights-->
  <fnlc:ReserveForImpairmentOfMortgageServicingRights contextRef="c20111231" unitRef="U001" decimals="0">61000</fnlc:ReserveForImpairmentOfMortgageServicingRights>
  <!--Mortgage Servicing Rights Net-->
  <fnlc:MortgageServicingRightsNet contextRef="c20121231" unitRef="U001" decimals="0">867000</fnlc:MortgageServicingRightsNet>
  <!--Mortgage Servicing Rights Net-->
  <fnlc:MortgageServicingRightsNet contextRef="c20111231" unitRef="U001" decimals="0">1201000</fnlc:MortgageServicingRightsNet>
  <!--Schedule Of Composition Of Loan Portfolio [Table Text Block]-->
  <fnlc:ScheduleOfCompositionOfLoanPortfolioTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table shows the composition of the Company's loan portfolio as of December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;28.9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2.6&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3.8&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;9.3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10.1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1.9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;379,447,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;43.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;341,286,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;39.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;0.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,469,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1.2&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;99,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;11.4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;105,244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12.1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1.7&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;16,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1.9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;869,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;100.0&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;864,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;100.0&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ScheduleOfCompositionOfLoanPortfolioTableTextBlock>
  <!--Loans to Directors, Officers and Employees which exceed $60,000 [Table Text Block]-->
  <fnlc:LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Loans to directors, officers and employees totaled $28,707,000 at December 31, 2012 and $37,935,000 at December 31, 2011. A summary of loans to directors and executive officers, which in the aggregate exceed $60,000, is as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;24,551,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;25,525,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;New loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;275,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;237,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Repayments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(9,909,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,211,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;14,917,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;24,551,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock>
  <!--Number Of States in New England Where FHLB Serve-->
  <fnlc:NumberOfStatesInNewEnglandWhereFhlbServe contextRef="c20121231" unitRef="U004" decimals="0">6</fnlc:NumberOfStatesInNewEnglandWhereFhlbServe>
  <!--Restricted Equity Securities Amortized Cost-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesAmortizedCost contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">14031000</fnlc:RestrictedEquitySecuritiesAmortizedCost>
  <!--Restricted Equity Securities Amortized Cost-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesAmortizedCost contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">1412000</fnlc:RestrictedEquitySecuritiesAmortizedCost>
  <!--Restricted Equity Securities Amortized Cost-->
  <fnlc:RestrictedEquitySecuritiesAmortizedCost contextRef="c20111231" unitRef="U001" decimals="0">15443000</fnlc:RestrictedEquitySecuritiesAmortizedCost>
  <!--Restricted Equity Securities Amortized Cost-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesAmortizedCost contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">13412000</fnlc:RestrictedEquitySecuritiesAmortizedCost>
  <!--Restricted Equity Securities Amortized Cost-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesAmortizedCost contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">1036000</fnlc:RestrictedEquitySecuritiesAmortizedCost>
  <!--Restricted Equity Securities Amortized Cost-->
  <fnlc:RestrictedEquitySecuritiesAmortizedCost contextRef="c20121231" unitRef="U001" decimals="0">14448000</fnlc:RestrictedEquitySecuritiesAmortizedCost>
  <!--Restricted Equity Securities Unrealized Gains-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedGains contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedGains>
  <!--Restricted Equity Securities Unrealized Gains-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedGains contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedGains>
  <!--Restricted Equity Securities Unrealized Gains-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedGains contextRef="c20111231" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedGains>
  <!--Restricted Equity Securities Unrealized Gains-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedGains contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedGains>
  <!--Restricted Equity Securities Unrealized Gains-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedGains contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedGains>
  <!--Restricted Equity Securities Unrealized Gains-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedGains contextRef="c20121231" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedGains>
  <!--Restricted Equity Securities Unrealized Losses-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedLosses contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedLosses>
  <!--Restricted Equity Securities Unrealized Losses-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedLosses contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedLosses>
  <!--Restricted Equity Securities Unrealized Losses-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedLosses contextRef="c20111231" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedLosses>
  <!--Restricted Equity Securities Unrealized Losses-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedLosses contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedLosses>
  <!--Restricted Equity Securities Unrealized Losses-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedLosses contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedLosses>
  <!--Restricted Equity Securities Unrealized Losses-->
  <fnlc:RestrictedEquitySecuritiesUnrealizedLosses contextRef="c20121231" unitRef="U001" decimals="0">0</fnlc:RestrictedEquitySecuritiesUnrealizedLosses>
  <!--Restricted Equtiy Securities Fair Value Estimated-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquiySecuritiesFairValueEstimated contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">14031000</fnlc:RestrictedEquiySecuritiesFairValueEstimated>
  <!--Restricted Equtiy Securities Fair Value Estimated-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquiySecuritiesFairValueEstimated contextRef="c20111231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">1412000</fnlc:RestrictedEquiySecuritiesFairValueEstimated>
  <!--Restricted Equtiy Securities Fair Value Estimated-->
  <fnlc:RestrictedEquiySecuritiesFairValueEstimated contextRef="c20111231" unitRef="U001" decimals="0">15443000</fnlc:RestrictedEquiySecuritiesFairValueEstimated>
  <!--Restricted Equtiy Securities Fair Value Estimated-Federal Home Loan Bank Stock [Member]-->
  <fnlc:RestrictedEquiySecuritiesFairValueEstimated contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalHomeLoanBankStockMember" unitRef="U001" decimals="0">13412000</fnlc:RestrictedEquiySecuritiesFairValueEstimated>
  <!--Restricted Equtiy Securities Fair Value Estimated-Federal Reserve Bank Stock [Member]-->
  <fnlc:RestrictedEquiySecuritiesFairValueEstimated contextRef="c20121231_ScheduleOfRestrictedEquitySecuritiesAxis_FederalReserveBankStockMember" unitRef="U001" decimals="0">1036000</fnlc:RestrictedEquiySecuritiesFairValueEstimated>
  <!--Restricted Equtiy Securities Fair Value Estimated-->
  <fnlc:RestrictedEquiySecuritiesFairValueEstimated contextRef="c20121231" unitRef="U001" decimals="0">14448000</fnlc:RestrictedEquiySecuritiesFairValueEstimated>
  <!--Number Of Securities Temporarily Impaired-->
  <fnlc:NumberOfSecuritiesTemporarilyImpaired contextRef="c20121231" unitRef="U004" decimals="0">42</fnlc:NumberOfSecuritiesTemporarilyImpaired>
  <!--Number Of Securities Temporarily Impaired Twelve Months-->
  <fnlc:NumberOfSecuritiesTemporarilyImpairedTwelveMonths contextRef="c20121231" unitRef="U004" decimals="0">7</fnlc:NumberOfSecuritiesTemporarilyImpairedTwelveMonths>
  <!--Length Of Time Securities Temporarily Impaired-->
  <fnlc:LengthOfTimeSecuritiesTemporarilyImpaired contextRef="c20120101to20121231">12M</fnlc:LengthOfTimeSecuritiesTemporarilyImpaired>
  <!--Reconciliation of Mortgage Servicing Rights [Table Text Block]-->
  <fnlc:ReconciliationOfMortgageServicingRightsTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights are included in other assets and detailed in the following table:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Mortgage servicing rights&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;6,430,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,099,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accumulated amortization&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(5,473,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(4,837,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Impairment reserve&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(90,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(61,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;867,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,201,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ReconciliationOfMortgageServicingRightsTableTextBlock>
  <!--Moving average of weekly prepayment data-->
  <fnlc:MovingAverageOfWeeklyPrepaymentData contextRef="c20120101to20121231">3M</fnlc:MovingAverageOfWeeklyPrepaymentData>
  <!--Average quarterly discount rate-->
  <fnlc:AverageQuarterlyDiscountRate contextRef="c20120101to20121231">10Y</fnlc:AverageQuarterlyDiscountRate>
  <!--Servicing Assets And Servicing Liabilities At Fair Value Assumptions Used To Estimate Fair Value Discount Rate Adjustment Factor-->
  <fnlc:ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor contextRef="c20120101to20121231" unitRef="U004" decimals="2">4.86</fnlc:ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor>
  <!--Impaired Loans Information [Table Text Block]-->
  <fnlc:ImpairedLoansInformationTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Information regarding impaired loans is as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Average investment in impaired loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;45,019,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;28,777,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;25,836,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest income recognized on impaired loans, all on cash basis&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,039,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;598,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;143,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance of impaired loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;45,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Less portion for which no allowance for loan losses is allocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(28,282,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(27,897,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Portion of impaired loan balance for which an allowance for loan losses is allocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;17,462,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,223,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Portion of allowance for loan losses allocated to the impaired loan balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ImpairedLoansInformationTableTextBlock>
  <!--Percentage of Loans Receivable, by type-Commercial Real Estate [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U004" decimals="3">0.289</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Commercial Real Estate Construction Financing Receivable [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U004" decimals="3">0.026</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Commercial Other [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U004" decimals="3">0.093</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Municipal [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U004" decimals="3">0.017</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Residential Term [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U004" decimals="3">0.437</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Residential Construction [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U004" decimals="3">0.007</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Home Equity Line Of Credit [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U004" decimals="3">0.114</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Consumer Loan [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U004" decimals="3">0.017</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20121231" unitRef="U004" decimals="0">1</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Commercial Real Estate [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U004" decimals="3">0.295</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Commercial Real Estate Construction Financing Receivable [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U004" decimals="3">0.038</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Commercial Other [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U004" decimals="3">0.101</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Municipal [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U004" decimals="3">0.019</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Residential Term [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U004" decimals="3">0.395</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Residential Construction [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U004" decimals="3">0.012</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Home Equity Line Of Credit [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U004" decimals="3">0.121</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-Consumer Loan [Member]-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U004" decimals="3">0.019</fnlc:PercentageOfLoansReceivableByType>
  <!--Percentage of Loans Receivable, by type-->
  <fnlc:PercentageOfLoansReceivableByType contextRef="c20111231" unitRef="U004" decimals="0">1</fnlc:PercentageOfLoansReceivableByType>
  <!--Loans Receivable 30 59 Days Past Due-Commercial Real Estate [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="0">2172000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Commercial Other [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U001" decimals="0">658000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Municipal [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U001" decimals="0">136000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Residential Term [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U001" decimals="0">2404000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Residential Construction [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">188000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Home Equity Line Of Credit [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">430000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Consumer Loan [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">101000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20121231" unitRef="U001" decimals="0">6089000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Commercial Real Estate [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="0">1367000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Commercial Real Estate Construction Financing Receivable [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Commercial Other [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U001" decimals="0">665000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Municipal [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Residential Term [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U001" decimals="0">1933000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Residential Construction [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Home Equity Line Of Credit [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">480000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-Consumer Loan [Member]-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">230000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 30 59 Days Past Due-->
  <fnlc:LoansReceivable3059DaysPastDue contextRef="c20111231" unitRef="U001" decimals="0">4675000</fnlc:LoansReceivable3059DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Commercial Real Estate [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="0">346000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Commercial Real Estate Construction Financing Receivable [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U001" decimals="0">29000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Commercial Other [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U001" decimals="0">218000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Municipal [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Residential Term [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U001" decimals="0">1082000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Residential Construction [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Home Equity Line Of Credit [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">133000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Consumer Loan [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">70000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20121231" unitRef="U001" decimals="0">1878000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Commercial Real Estate [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateMember" unitRef="U001" decimals="0">1505000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Commercial Real Estate Construction Financing Receivable [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialRealEstateConstructionFinancingReceivableMember" unitRef="U001" decimals="0">174000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Commercial Other [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_CommercialOtherMember" unitRef="U001" decimals="0">766000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Municipal [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_MunicipalMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Residential Term [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialTermMember" unitRef="U001" decimals="0">1398000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Residential Construction [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Home Equity Line Of Credit [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_HomeEquityMember" unitRef="U001" decimals="0">0</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-Consumer Loan [Member]-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_ConsumerLoanMember" unitRef="U001" decimals="0">101000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Loans Receivable 60 89 Days Past Due-->
  <fnlc:LoansReceivable6089DaysPastDue contextRef="c20111231" unitRef="U001" decimals="0">3944000</fnlc:LoansReceivable6089DaysPastDue>
  <!--Impaired Financing Receivable With No Allowance-->
  <fnlc:ImpairedFinancingReceivableWithNoAllowance contextRef="c20121231" unitRef="U001" decimals="0">-28282000</fnlc:ImpairedFinancingReceivableWithNoAllowance>
  <!--Impaired Financing Receivable With No Allowance-->
  <fnlc:ImpairedFinancingReceivableWithNoAllowance contextRef="c20111231" unitRef="U001" decimals="0">-27897000</fnlc:ImpairedFinancingReceivableWithNoAllowance>
  <!--Impaired Financing Receivable With Allowance-->
  <fnlc:ImpairedFinancingReceivableWithAllowance contextRef="c20121231" unitRef="U001" decimals="0">17462000</fnlc:ImpairedFinancingReceivableWithAllowance>
  <!--Impaired Financing Receivable With Allowance-->
  <fnlc:ImpairedFinancingReceivableWithAllowance contextRef="c20111231" unitRef="U001" decimals="0">14223000</fnlc:ImpairedFinancingReceivableWithAllowance>
  <!--Related Party Loan Receivable-->
  <fnlc:RelatedPartyLoanReceivable contextRef="c20111231" unitRef="U001" decimals="0">24551000</fnlc:RelatedPartyLoanReceivable>
  <!--Related Party Loan Receivable-->
  <fnlc:RelatedPartyLoanReceivable contextRef="c20101231" unitRef="U001" decimals="0">25525000</fnlc:RelatedPartyLoanReceivable>
  <!--Related Party Loan Receivable-->
  <fnlc:RelatedPartyLoanReceivable contextRef="c20121231" unitRef="U001" decimals="0">14917000</fnlc:RelatedPartyLoanReceivable>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Inputs, Level 1 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">13923000</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Inputs, Level 3 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20121231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">13923000</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Inputs, Level 1 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Inputs, Level 2 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">12165000</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Inputs, Level 3 [Member]-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20111231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">0</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Impaired Loans Fair Value Disclosure-Fair Value, Measurements, Nonrecurring [Member]-->
  <fnlc:ImpairedLoansFairValueDisclosure contextRef="c20111231_FairValueByMeasurementFrequencyAxis_FairValueMeasurementsNonrecurringMember" unitRef="U001" decimals="0">12165000</fnlc:ImpairedLoansFairValueDisclosure>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Commercial Real Estate Portfolio Segment [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">760000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Commercial Construction [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
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  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
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  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Residential Term [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">1624000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Residential Construction [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Home Equity Line Of Credit [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">29000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Consumer Portfolio Segment [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20121231" unitRef="U001" decimals="0">2413000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Commercial Real Estate Portfolio Segment [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
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  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">1154000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Commercial Other [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">96000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Municipal [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Residential Term [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">1591000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Residential Construction [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Home Equity Line Of Credit [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-Consumer Portfolio Segment [Member]-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">0</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months contextRef="c20111231" unitRef="U001" decimals="0">2841000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months>
  <!--Loan losses by loan segment and allowance element [Table Text Block]-->
  <fnlc:LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;A breakdown of the allowance for loan losses as of December 31, 2012 and 2011, by class of financing receivable and allowance element, is presented in the following tables:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Specific Reserves on Loans Evaluated Individually for Impairment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;General Reserves on Loans Based on Historical Loss Experience&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Reserves for Qualitative Factors&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,973,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;213,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;177,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;763,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;635,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;278,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,109,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;315,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;339,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;362,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;230,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,304,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,815,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/font&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Specific Reserves on Loans Evaluated Individually for Impairment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;General Reserves on Loans Based on Historical Loss Experience&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Reserves for Qualitative Factors&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,578,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;332,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;293,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;883,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;778,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;149,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;355,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;331,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;242,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,501,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,433,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock>
  <!--Activity In Allowance For Loan Losses By Portfolio And Segment [Table Text Block]-->
  <fnlc:ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;There were no changes to the Company's accounting policies or methodology used to estimate the allowance for loan losses during the year ended December 31, 2012. Allowance for loan losses transactions for the years ended December 31, 2012, 2011 and 2010 were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For the year ended&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home Equity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Term&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Line of Credit&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Charge offs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,394,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;928,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,215,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,911,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;389,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;555,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,080,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;246,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;113,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;110,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;54,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;208,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;745,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Provision&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,587,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,383,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,089,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,751,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;746,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;355,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,166,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,835,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,359,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,109,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,523,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;652,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;395,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,539,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,342,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;390,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,398,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;18,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;714,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;654,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;592,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;842,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;8,961,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Related loan balances:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;251,335,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;22,417,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;81,183,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;379,447,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;99,082,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;869,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,774,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;3,354,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,861,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,444,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,311,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;45,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,561,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;75,322,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,704,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;360,003,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,459,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;97,771,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;823,540,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For the year ended&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home Equity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Term&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Line of Credit&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,260,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,012,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,377,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,408,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;670,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,880,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,316,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Charge offs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,619,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;346,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,492,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,421,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;505,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;415,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;381,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,179,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;60,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;222,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Provision&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,995,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,118,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,165,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;716,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;339,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;97,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;128,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,550,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,659,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;658,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,063,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,159,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;595,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;584,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;808,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;33,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;478,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;235,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;91,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,058,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,851,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;625,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;681,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;20,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;504,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;573,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,008,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,942,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Related loan balances:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;255,424,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;32,574,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;86,982,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;341,286,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,469,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;105,244,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;864,988,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,702,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;7,042,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;53,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,120,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;245,283,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;26,872,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;79,940,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,221,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;324,465,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,271,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;104,081,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;16,735,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;822,868,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;For the year ended&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="10" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home Equity&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;December 31, 2010&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Real Estate&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Other&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Term&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Construction&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Line of Credit&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Allowance for loan losses:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Beginning balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,986,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;807,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,363,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;23,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,198,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;174,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;515,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;717,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,854,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,637,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Charge offs&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,005,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;175,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,125,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;392,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,361,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;951,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9,017,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Recoveries&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;69,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;219,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;296,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Provision&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,275,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;380,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;70,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;598,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,231,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;661,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,400,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,260,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,012,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,377,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,408,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;670,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;646,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,880,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,316,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;192,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;152,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;291,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;432,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;122,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;67,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,256,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,068,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;860,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,086,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;976,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;548,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;579,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,880,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,060,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Related loan balances:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;245,540,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;41,869,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;101,462,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;21,833,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;337,927,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,512,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;105,297,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;887,596,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance specifically evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,946,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;937,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,753,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,455,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,567,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;519,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;106,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;25,283,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Ending balance collectively evaluated for impairment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;239,594,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;40,932,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,709,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;21,833,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;325,472,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;11,945,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;104,778,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,050,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;862,313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock>
  <!--Schedule of Troubled Debt Restructurings By Type And Specific Reserve [Table Text Block]-->
  <fnlc:ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012, 12 of the loans classified as TDRs with a total balance of $2,413,000 were more than 30 days past due. Of these loans, six loans with an outstanding balance of $1,059,000 had been placed on TDR status in the previous 12 months. The following table shows past-due TDRs by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;760,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,624,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;67,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,413,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;67,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011, 14 of the loans classified as TDRs with a total balance of $2,841,000 were more than 30 days past due. Of these loans, six loans with an outstanding balance of $1,588,000 had been placed on TDR status in the previous 12 months. The following table shows past-due TDRs by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Balance&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,154,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;96,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;47,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,591,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;52,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,841,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;99,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;During the year ended December 31, 2012, 52 loans were placed on TDR status with an outstanding balance of $14,657,000. These were considered TDRs because concessions had been granted to borrowers experiencing financial difficulties. Concessions include reductions in interest rates, principal and/or interest forbearance, payment extensions, or combinations thereof. &amp;#160;The following table shows loans placed on TDR status during the year ended December 31, 2012, by class of loan and the associated specific reserve included in the allowance for loan losses as of December 31, 2012:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Pre-Modification&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Post-Modification Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;6,821,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,149,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;180,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,319,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,333,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;969,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;19&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,887,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,903,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;543,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,974,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,989,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;77,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;656,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;656,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;52&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;14,657,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,030,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,769,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;During the year ended December 31, 2011, 31 loans were placed on TDR status with an outstanding balance of $18,325,000. These were considered to be TDRs because concessions had been granted to borrowers experiencing financial difficulties. Concessions include reductions in interest rates, principal and/or interest forbearance, payment extensions, or combinations thereof. The following table shows loans placed on TDR status in 2011 by type of loan and the associated specific reserve included in the allowance for loan losses as of December 31, 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Number of Loans&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Pre-Modification&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Post-Modification Outstanding&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Recorded&lt;/div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Investment&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;Specific Reserves&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Commercial&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,078,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,506,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,506,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Other&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;9&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,350,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;97,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Municipal&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Residential&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Term&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,391,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,391,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;258,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;Construction&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Home equity line of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Consumer&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Unallocated&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,325,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;18,325,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;628,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock>
  <!--Commercial And Municipal Risk Rated Loans Receivable-Strong 1 [Member]-Commercial Real Estate Portfolio Segment [Member]-->
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  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Commercial Construction [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">969000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Commercial Other [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">543000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Municipal [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Residential Term [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">77000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Residential Construction [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Home Equity Line Of Credit [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Consumer Portfolio Segment [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20120101to20121231" unitRef="U001" decimals="0">1769000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Commercial Real Estate Portfolio Segment [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialRealEstatePortfolioSegmentMember" unitRef="U001" decimals="0">273000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Commercial Construction [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialConstructionMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Commercial Other [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_CommercialOtherMember" unitRef="U001" decimals="0">97000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Municipal [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_MunicipalMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Residential Term [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialTermMember" unitRef="U001" decimals="0">258000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Residential Construction [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ResidentialConstructionMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Home Equity Line Of Credit [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_HomeEquityMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Consumer Portfolio Segment [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_ConsumerPortfolioSegmentMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-Unallocated Financing Receivables [Member]-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231_FinancingReceivableInformationByPortfolioSegmentAxis_UnallocatedFinancingReceivablesMember" unitRef="U001" decimals="0">0</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance Current Period-->
  <fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod contextRef="c20110101to20111231" unitRef="U001" decimals="0">628000</fnlc:TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod>
  <!--Financing Receivable Modifications Number Of Contracts Greater Than30 Days Past Due-->
  <fnlc:FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDue contextRef="c20121231" unitRef="U004" decimals="0">30</fnlc:FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDue>
  <!--Financing Receivable Modifications Number Of Contracts Greater Than30 Days Past Due-->
  <fnlc:FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDue contextRef="c20111231" unitRef="U004" decimals="0">30</fnlc:FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDue>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDue contextRef="c20121231" unitRef="U001" decimals="0">2413000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDue>
  <!--Financing Receivable Recorded Investment Greater Than30 Days Past Due-->
  <fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDue contextRef="c20111231" unitRef="U001" decimals="0">2841000</fnlc:FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDue>
  <!--Financing Receivable, Number Of Loans Classified As Troubled Debt Restructurings That Had Been Placed On TDR Status In Previous 12 Months-->
  <fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months contextRef="c20121231" unitRef="U004" decimals="0">6</fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months>
  <!--Financing Receivable, Number Of Loans Classified As Troubled Debt Restructurings That Had Been Placed On TDR Status In Previous 12 Months-->
  <fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months contextRef="c20111231" unitRef="U004" decimals="0">6</fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months>
  <!--Financing Receivable, Loans Classified As Troubled Debt Restructurings That Had Been Placed On TDR Status In Previous 12 Months-->
  <fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months contextRef="c20121231" unitRef="U001" decimals="0">1059000</fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months>
  <!--Financing Receivable, Loans Classified As Troubled Debt Restructurings That Had Been Placed On TDR Status In Previous 12 Months-->
  <fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months contextRef="c20111231" unitRef="U001" decimals="0">1588000</fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months>
  <!--Financing Receivable, Number Of Loans Classified As Troubled Debt Restructurings That Are Involved In Bankruptcy-->
  <fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy contextRef="c20121231" unitRef="U004" decimals="0">11</fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy>
  <!--Financing Receivable, Loans Classified As Troubled Debt Restructurings That Are Involved In Bankruptcy-->
  <fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy contextRef="c20121231" unitRef="U001" decimals="0">1158000</fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy>
  <!--Financing Receivable Number Of Loans Classified As Troubled Debt Restructurings That Were On Non Accrual Status-->
  <fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus contextRef="c20121231" unitRef="U004" decimals="0">24</fnlc:FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus>
  <!--Financing Receivable Loans Classified As Troubled Debt Restructurings That Were On Non Accrual Status-->
  <fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus contextRef="c20121231" unitRef="U001" decimals="0">3363000</fnlc:FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus>
  <!--Number Of Loans Classified As Troubled Debt Restructurings That Are Involved In Foreclosure-->
  <fnlc:NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure contextRef="c20121231" unitRef="U004" decimals="0">5</fnlc:NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure>
  <!--Loans Classified As Troubled Debt Restructurings That Are Involved In Foreclosure-->
  <fnlc:LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure contextRef="c20121231" unitRef="U001" decimals="0">521000</fnlc:LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure>
  <!--Commercial Real Estate Loans Maximum Loan To Value-->
  <fnlc:CommercialRealEstateLoansMaximumLoanToValue contextRef="c20121231" unitRef="U004" decimals="2">0.75</fnlc:CommercialRealEstateLoansMaximumLoanToValue>
  <!--Construction Loans Actual Loan Portfolio To Company Capital-->
  <fnlc:ConstructionLoansActualLoanPortfolioToCompanyCapital contextRef="c20121231" unitRef="U004" decimals="2">0.23</fnlc:ConstructionLoansActualLoanPortfolioToCompanyCapital>
  <!--Construction Loan Portfolio Maximum To Company Capital-->
  <fnlc:ConstructionLoanPortfolioMaximumToCompanyCapital contextRef="c20121231" unitRef="U004" decimals="0">1</fnlc:ConstructionLoanPortfolioMaximumToCompanyCapital>
  <!--Construction And Non Owner Occupied Commercial Real Estate Loans Portfolio To Company Capital-->
  <fnlc:ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital contextRef="c20121231" unitRef="U004" decimals="2">0.81</fnlc:ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital>
  <!--Construction And Non Owner Occupied Commercial Real Estate Loans Maximum Loan Portfolio To Company Captial-->
  <fnlc:ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial contextRef="c20121231" unitRef="U004" decimals="0">3</fnlc:ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial>
  <!--Other Real Estate Owned [Table Text Block]-->
  <fnlc:OtherRealEstateOwnedTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following summarizes other real estate owned:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of &amp;#160;December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Real estate acquired in settlement of loans&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;7,593,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;4,094,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:OtherRealEstateOwnedTableTextBlock>
  <!--Change In Allowance for Losses From Other Real Estate Owned [Table Text Block]-->
  <fnlc:ChangeInAllowanceForLossesFromOtherRealEstateOwnedTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Changes in the allowance for losses from other real estate owned were as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;132,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;583,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Losses charged to allowance&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(460,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(980,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(803,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Provision charged to operating expenses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;397,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,284,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;352,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Balance at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;373,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;436,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;132,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ChangeInAllowanceForLossesFromOtherRealEstateOwnedTableTextBlock>
  <!--Deferred tax assets, other real estate owned-->
  <fnlc:DeferredTaxAssetsOtherRealEstateOwned contextRef="c20121231" unitRef="U001" decimals="0">131000</fnlc:DeferredTaxAssetsOtherRealEstateOwned>
  <!--Deferred tax assets, other real estate owned-->
  <fnlc:DeferredTaxAssetsOtherRealEstateOwned contextRef="c20111231" unitRef="U001" decimals="0">153000</fnlc:DeferredTaxAssetsOtherRealEstateOwned>
  <!--Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Postretirement Benefits And Pension-->
  <fnlc:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefitsAndPension contextRef="c20121231" unitRef="U001" decimals="0">1412000</fnlc:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefitsAndPension>
  <!--Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Postretirement Benefits And Pension-->
  <fnlc:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefitsAndPension contextRef="c20111231" unitRef="U001" decimals="0">1293000</fnlc:DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefitsAndPension>
  <!--Deferred Tax Assets Impairment Losses On Available For Sale Securities-->
  <fnlc:DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities contextRef="c20121231" unitRef="U001" decimals="0">0</fnlc:DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities>
  <!--Deferred Tax Assets Impairment Losses On Available For Sale Securities-->
  <fnlc:DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities contextRef="c20111231" unitRef="U001" decimals="0">0</fnlc:DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities>
  <!--Limited partnerships held as investments-->
  <fnlc:LimitedPartnershipsHeldAsInvestments contextRef="c20121231" unitRef="U004" decimals="0">2</fnlc:LimitedPartnershipsHeldAsInvestments>
  <!--Limited Partnership Entity Entity Maximum Loss Exposure Amount-->
  <fnlc:LimitedPartnershipEntityEntityMaximumLossExposureAmount contextRef="c20121231" unitRef="U001" decimals="0">5046000</fnlc:LimitedPartnershipEntityEntityMaximumLossExposureAmount>
  <!--Limited Partnership Entity Entity Maximum Loss Exposure Amount-->
  <fnlc:LimitedPartnershipEntityEntityMaximumLossExposureAmount contextRef="c20111231" unitRef="U001" decimals="0">5522000</fnlc:LimitedPartnershipEntityEntityMaximumLossExposureAmount>
  <!--Investment in flow through entities-->
  <fnlc:InvestmentInFlowThroughEntities contextRef="c20121231" unitRef="U001" decimals="0">-323000</fnlc:InvestmentInFlowThroughEntities>
  <!--Investment in flow through entities-->
  <fnlc:InvestmentInFlowThroughEntities contextRef="c20111231" unitRef="U001" decimals="0">-264000</fnlc:InvestmentInFlowThroughEntities>
  <!--Deferred Tax prepaid Expenses-->
  <fnlc:DeferredTaxPrepaidExpenses contextRef="c20121231" unitRef="U001" decimals="0">-422000</fnlc:DeferredTaxPrepaidExpenses>
  <!--Deferred Tax prepaid Expenses-->
  <fnlc:DeferredTaxPrepaidExpenses contextRef="c20111231" unitRef="U001" decimals="0">-528000</fnlc:DeferredTaxPrepaidExpenses>
  <!--Deferred Tax Unrealized gain on securities available for sale-->
  <fnlc:DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale contextRef="c20121231" unitRef="U001" decimals="0">-4275000</fnlc:DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale>
  <!--Deferred Tax Unrealized gain on securities available for sale-->
  <fnlc:DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale contextRef="c20111231" unitRef="U001" decimals="0">-3985000</fnlc:DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale>
  <!--Time Deposits [Table Text Block]-->
  <fnlc:TimeDepositsTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;The following table represents the breakdown of Certificates of Deposit at December 31, 2012 and 2011:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;December 31, 2012&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;December 31, 2011&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certificates of deposit &amp;lt; $100,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;199,265,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;216,836,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certificates $100,000 to $250,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;277,571,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;309,841,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Certificates $250,000 and over&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;28,220,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,499,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;505,056,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;549,176,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</fnlc:TimeDepositsTableTextBlock>
  <!--Schedule Of Maturities Of Time Deposits [Table Text Block]-->
  <fnlc:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31, 2012, the scheduled maturities of certificates of deposit are as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Year of&lt;font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;br /&gt;&lt;/font&gt;Maturity&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;Less than $100,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$100,000 and Greater&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;All Certificates of Deposit&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;84,984,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;219,735,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;304,719,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;46,347,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div class="trgrxbrlF08080"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;27,099,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;73,446,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;50,925,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,026,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;92,951,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,564,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,671,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;22,235,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;5,445,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6,260,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;11,705,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;199,265,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;305,791,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;505,056,000&lt;/div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;</fnlc:ScheduleOfMaturitiesOfTimeDepositsTableTextBlock>
  <!--Time Deposits Greater Than 100000 And Less Than 250000-->
  <fnlc:TimeDepositsGreaterThan100000AndLessThan250000 contextRef="c20121231" unitRef="U001" decimals="0">277571000</fnlc:TimeDepositsGreaterThan100000AndLessThan250000>
  <!--Time Deposits Greater Than 100000 And Less Than 250000-->
  <fnlc:TimeDepositsGreaterThan100000AndLessThan250000 contextRef="c20111231" unitRef="U001" decimals="0">309841000</fnlc:TimeDepositsGreaterThan100000AndLessThan250000>
  <!--Time Deposits 250000 Or More-->
  <fnlc:TimeDeposits250000OrMore contextRef="c20121231" unitRef="U001" decimals="0">28220000</fnlc:TimeDeposits250000OrMore>
  <!--Time Deposits 250000 Or More-->
  <fnlc:TimeDeposits250000OrMore contextRef="c20111231" unitRef="U001" decimals="0">22499000</fnlc:TimeDeposits250000OrMore>
  <!--Business Combination Recognized Liabilities Assumed Deposits-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessCombinationRecognizedLiabilitiesAssumedDeposits contextRef="c20121026_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="-5">32300000</fnlc:BusinessCombinationRecognizedLiabilitiesAssumedDeposits>
  <!--Business Combination Fair Value Of Identifiable Assets Cash-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessCombinationFairValueOfIdentifiableAssetsCash contextRef="c20121026_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">25297000</fnlc:BusinessCombinationFairValueOfIdentifiableAssetsCash>
  <!--Business Combination Fair Value Of Identifiable Accrued and Other Assets-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets contextRef="c20121026_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">24000</fnlc:BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets>
  <!--Business combination purchase premium-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessCombinationPurchasePremium contextRef="c20121026_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">2553000</fnlc:BusinessCombinationPurchasePremium>
  <!--Business acquisitions pro forma interest income-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessAcquisitionsProFormaInterestIncome contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">2000</fnlc:BusinessAcquisitionsProFormaInterestIncome>
  <!--Business Acquisitions Pro Forma Interest Expense-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessAcquisitionsProFormaInterestExpense contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">21000</fnlc:BusinessAcquisitionsProFormaInterestExpense>
  <!--Pro forma Interest Income Expense Net-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:ProFormaInterestIncomeExpenseNet contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">-19000</fnlc:ProFormaInterestIncomeExpenseNet>
  <!--Business Acquisitions Pro Forma Non Interest Income-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessAcquisitionsProFormaNonInterestIncome contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">36000</fnlc:BusinessAcquisitionsProFormaNonInterestIncome>
  <!--Business Acquisitions Pro Forma Non Interest Expense-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessAcquisitionsProFormaNonInterestExpense contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">55000</fnlc:BusinessAcquisitionsProFormaNonInterestExpense>
  <!--Business Acquisitions Pro Forma Income Loss Before Tax-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessAcquisitionsProFormaIncomeLossBeforeTax contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">-38000</fnlc:BusinessAcquisitionsProFormaIncomeLossBeforeTax>
  <!--Business Acquisitions Pro Forma Tax Effect-Bank Acquisitions From Camden National Bank [Member]-->
  <fnlc:BusinessAcquisitionsProFormaTaxEffect contextRef="c20120101to20121231_BusinessAcquisitionAxis_BankAcquisitionsFromCamdenNationalBankMember" unitRef="U001" decimals="0">-13000</fnlc:BusinessAcquisitionsProFormaTaxEffect>
  <!--Schedule of borrowed funds of maturities and range of interest rates [Table Text Block]-->
  <fnlc:ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Borrowed funds at December 31, 2012 and 2011 have the following range of interest rates and maturity dates:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Federal Home Loan Bank Advances&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.16%-0.31&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;41,245,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.73%-3.20&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.03%-2.98&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;40,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.36%-2.44&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.99%-3.69&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2018 and thereafter&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.00%-3.25&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,156,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;181,401,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Repurchase agreements&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Municipal and commercial customers&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.20%-1.89&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;101,504,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;282,905,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Federal Home Loan Bank Advances&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.15%-0.32&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;44,985,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2013&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2014&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.73%-3.20&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;10,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2015&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2.03%-2.98&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;40,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2016&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1.31%-1.39&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;30,000,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2017 and thereafter&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.00%-3.69&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;50,163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;175,148,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Repurchase agreements&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Municipal and commercial customers&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;0.40%-2.09&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;90,515,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;265,663,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;</fnlc:ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20121231" unitRef="U001" decimals="0">282905000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20111231" unitRef="U001" decimals="0">265663000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20110331" unitRef="U001" decimals="-3">217534000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20110630" unitRef="U001" decimals="-3">249336000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20110930" unitRef="U001" decimals="-3">255616000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20120331" unitRef="U001" decimals="-3">240151000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20120630" unitRef="U001" decimals="-3">248926000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements contextRef="c20120930" unitRef="U001" decimals="-3">304749000</fnlc:TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements>
  <!--Total Federal Home Loan Bank Advances Treasury Tax Notes And Repurchase Agreements-->
  <!--Securities Sold Under Agreements To Repurchase Interest Rate Range-->
  <fnlc:SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange contextRef="c20120101to20121231">0.20%-1.89%</fnlc:SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange>
  <!--Securities Sold Under Agreements To Repurchase Interest Rate Range-->
  <fnlc:SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange contextRef="c20110101to20111231">0.40%-2.09%</fnlc:SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange>
  <!--Line Of Credit With Correspondent Banks-->
  <fnlc:LineOfCreditWithCorrespondentBanks contextRef="c20111231" unitRef="U001" decimals="0">48000000</fnlc:LineOfCreditWithCorrespondentBanks>
  <!--Credit Facility With Federal Reserve Bank Of Boston-->
  <fnlc:CreditFacilityWithFederalReserveBankOfBoston contextRef="c20121231" unitRef="U001" decimals="0">115839000</fnlc:CreditFacilityWithFederalReserveBankOfBoston>
  <!--Federal Home Loan Bank, Advances, Maturities Summary by Interest Rate Type Due Within Four Years Interest Rate Range-->
  <fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange contextRef="c20120101to20121231">2.36%-2.44%</fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange>
  <!--Federal Home Loan Bank, Advances, Maturities Summary by Interest Rate Type Due Within Four Years Interest Rate Range-->
  <fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange contextRef="c20110101to20111231">1.31%-1.39%</fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange>
  <!--Federal Home Loan Bank, Advances, Maturities Summary by Interest Rate Type, Due Within Five Years, Interest Rate Range-->
  <fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange contextRef="c20120101to20121231">0.99%-3.69%</fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange>
  <!--Federal Home Loan Bank, Advances, Maturities Summary by Interest Rate Type, Due Within Five Years, Interest Rate Range-->
  <fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange contextRef="c20110101to20111231">0.00%-3.69%</fnlc:FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange>
  <!--Accumulated Post-Retirement Benefit Obligation and Funded Status [Table Text Block]-->
  <fnlc:AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;The following table sets forth the accumulated postretirement benefit obligation and funded status:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;At December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Change in benefit obligations&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefit obligation at beginning of year:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,962,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Service cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;16,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;107,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;117,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefits paid&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(103,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(136,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Actuarial (gain) loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;86,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;62,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(162,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefit obligation at end of year:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,954,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Funded status&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Benefit obligation at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(1,954,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,796,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unamortized prior service cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;186,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;100,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;49,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unrecognized transition obligation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;34,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;63,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accrued benefit cost&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;(1,763,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,714,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;(1,684,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Weighted average discount rate as of December 31&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;4.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;6.5&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;%&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock>
  <!--Defined Contribution Plan Employer Maximum Percentage Match Of Employee Annual Salary-->
  <fnlc:DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary contextRef="c20121231" unitRef="U004" decimals="2">0.03</fnlc:DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary>
  <!--Defined Contribution Plan Employer Maximum Profit Sharing Contributions-->
  <fnlc:DefinedContributionPlanEmployerMaximumProfitSharingContributions contextRef="c20121231" unitRef="U004" decimals="2">0.02</fnlc:DefinedContributionPlanEmployerMaximumProfitSharingContributions>
  <!--Defined Contribution Plan Employer Maximum Profit Sharing Contributions-->
  <fnlc:DefinedContributionPlanEmployerMaximumProfitSharingContributions contextRef="c20111231" unitRef="U004" decimals="2">0.02</fnlc:DefinedContributionPlanEmployerMaximumProfitSharingContributions>
  <!--Defined Contribution Plan Employer Maximum Profit Sharing Contributions-->
  <fnlc:DefinedContributionPlanEmployerMaximumProfitSharingContributions contextRef="c20101231" unitRef="U004" decimals="2">0.02</fnlc:DefinedContributionPlanEmployerMaximumProfitSharingContributions>
  <!--Number Of Post Retirement Benefit Plans-->
  <fnlc:NumberOfPostRetirementBenefitPlans contextRef="c20121231" unitRef="U004" decimals="0">2</fnlc:NumberOfPostRetirementBenefitPlans>
  <!--Number of active employees aged 50 and over-->
  <fnlc:NumberOfActiveEmployeesAged50AndOver contextRef="c20121231" unitRef="U004" decimals="0">7</fnlc:NumberOfActiveEmployeesAged50AndOver>
  <!--Post Retirement Benefit Plan Health Insurance Subsidy Range Minimum-->
  <fnlc:PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum contextRef="c20121231" unitRef="U001" decimals="0">40</fnlc:PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum>
  <!--Post Retirement Benefit Plan Health Insurance Subsidy Range Maximum-->
  <fnlc:PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum contextRef="c20121231" unitRef="U001" decimals="0">1200</fnlc:PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum>
  <!--Expected Future Benefit Payments, Current Year-->
  <fnlc:ExpectedFutureBenefitPaymentsCurrentYear contextRef="c20121231" unitRef="U001" decimals="0">102000</fnlc:ExpectedFutureBenefitPaymentsCurrentYear>
  <!--Actuarial (gain) loss-->
  <fnlc:ActuarialGainLoss contextRef="c20121231" unitRef="U001" decimals="0">86000</fnlc:ActuarialGainLoss>
  <!--Actuarial (gain) loss-->
  <fnlc:ActuarialGainLoss contextRef="c20111231" unitRef="U001" decimals="0">62000</fnlc:ActuarialGainLoss>
  <!--Actuarial (gain) loss-->
  <fnlc:ActuarialGainLoss contextRef="c20101231" unitRef="U001" decimals="0">-162000</fnlc:ActuarialGainLoss>
  <!--Unamortized prior service cost-->
  <fnlc:UnamortizedPriorServiceCost contextRef="c20121231" unitRef="U001" decimals="0">186000</fnlc:UnamortizedPriorServiceCost>
  <!--Unamortized prior service cost-->
  <fnlc:UnamortizedPriorServiceCost contextRef="c20111231" unitRef="U001" decimals="0">100000</fnlc:UnamortizedPriorServiceCost>
  <!--Unamortized prior service cost-->
  <fnlc:UnamortizedPriorServiceCost contextRef="c20101231" unitRef="U001" decimals="0">49000</fnlc:UnamortizedPriorServiceCost>
  <!--Unrecognized transition obligation-->
  <fnlc:UnrecognizedTransitionObligation contextRef="c20121231" unitRef="U001" decimals="0">5000</fnlc:UnrecognizedTransitionObligation>
  <!--Unrecognized transition obligation-->
  <fnlc:UnrecognizedTransitionObligation contextRef="c20111231" unitRef="U001" decimals="0">34000</fnlc:UnrecognizedTransitionObligation>
  <!--Unrecognized transition obligation-->
  <fnlc:UnrecognizedTransitionObligation contextRef="c20101231" unitRef="U001" decimals="0">63000</fnlc:UnrecognizedTransitionObligation>
  <!--Weighted average discount rate as of December 31-->
  <fnlc:WeightedAverageDiscountRateAsOfDecember31 contextRef="c20121231" unitRef="U004" decimals="3">0.045</fnlc:WeightedAverageDiscountRateAsOfDecember31>
  <!--Weighted average discount rate as of December 31-->
  <fnlc:WeightedAverageDiscountRateAsOfDecember31 contextRef="c20111231" unitRef="U004" decimals="3">0.065</fnlc:WeightedAverageDiscountRateAsOfDecember31>
  <!--Weighted average discount rate as of December 31-->
  <fnlc:WeightedAverageDiscountRateAsOfDecember31 contextRef="c20101231" unitRef="U004" decimals="3">0.065</fnlc:WeightedAverageDiscountRateAsOfDecember31>
  <!--Weighted average discount rate for net periodic cost-->
  <fnlc:WeightedAverageDiscountRateForNetPeriodicCost contextRef="c20121231" unitRef="U004" decimals="3">0.045</fnlc:WeightedAverageDiscountRateForNetPeriodicCost>
  <!--Weighted average discount rate for net periodic cost-->
  <fnlc:WeightedAverageDiscountRateForNetPeriodicCost contextRef="c20111231" unitRef="U004" decimals="3">0.065</fnlc:WeightedAverageDiscountRateForNetPeriodicCost>
  <!--Weighted average discount rate for net periodic cost-->
  <fnlc:WeightedAverageDiscountRateForNetPeriodicCost contextRef="c20101231" unitRef="U004" decimals="3">0.065</fnlc:WeightedAverageDiscountRateForNetPeriodicCost>
  <!--Amortization of prior service credit-->
  <fnlc:AmortizationOfPriorServiceCredit contextRef="c20120101to20121231" unitRef="U001" decimals="0">0</fnlc:AmortizationOfPriorServiceCredit>
  <!--Amortization of prior service credit-->
  <fnlc:AmortizationOfPriorServiceCredit contextRef="c20110101to20111231" unitRef="U001" decimals="0">0</fnlc:AmortizationOfPriorServiceCredit>
  <!--Amortization of prior service credit-->
  <fnlc:AmortizationOfPriorServiceCredit contextRef="c20100101to20101231" unitRef="U001" decimals="0">0</fnlc:AmortizationOfPriorServiceCredit>
  <!--Per Share Purchase price of CPP Shares-->
  <fnlc:PerSharePurchasePriceOfCppShares contextRef="c20131231" unitRef="U003" decimals="0">1000</fnlc:PerSharePurchasePriceOfCppShares>
  <!--CPP Shares Dividend Period At Lower Coupon Rate-->
  <fnlc:CppSharesDividendPeriodAtLowerCouponRate contextRef="c20120101to20121231" unitRef="U004" decimals="0">5</fnlc:CppSharesDividendPeriodAtLowerCouponRate>
  <!--CPP Shares Dividend Rate After First Five Years-->
  <fnlc:CppSharesDividendRateAfterFirstFiveYears contextRef="c20120101to20121231" unitRef="U004" decimals="2">0.09</fnlc:CppSharesDividendRateAfterFirstFiveYears>
  <!--Term of warrants issued-->
  <fnlc:TermOfWarrantsIssued contextRef="c20131231" unitRef="U004" decimals="0">10</fnlc:TermOfWarrantsIssued>
  <!--Assumptions used in determining fair value of warrants, common stock price-->
  <fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice contextRef="c20131231" unitRef="U003" decimals="1">16.6</fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice>
  <!--Assumptions used in determining fair value of warrants, dividend yield-->
  <fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield contextRef="c20120101to20121231" unitRef="U004" decimals="3">0.047</fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield>
  <!--Assumptions used in determining fair value of warrants, stock price volatility-->
  <fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility contextRef="c20120101to20121231" unitRef="U004" decimals="4">0.2443</fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility>
  <!--Assumptions used in determining fair value of warrants, risk-free interest rate-->
  <fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate contextRef="c20120101to20121231" unitRef="U004" decimals="4">0.0201</fnlc:AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate>
  <!--Expected life of CPP shares upon issuance-->
  <fnlc:ExpectedLifeOfCppSharesUponIssuance contextRef="c20120101to20121231" unitRef="U004" decimals="0">5</fnlc:ExpectedLifeOfCppSharesUponIssuance>
  <!--Number Of Shares Available For Grant Under Employee Savings and Investment Plan-->
  <fnlc:NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan contextRef="c20131231" unitRef="U002" decimals="0">700000</fnlc:NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan>
  <!--Number Of Shares Issued Under Employee Savings and Investment Plan-->
  <fnlc:NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan contextRef="c20131231" unitRef="U002" decimals="0">522411</fnlc:NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan>
  <!--Number Of Shares Available For Future Use Under Employee Savings And Investment Plan-->
  <fnlc:NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan contextRef="c20131231" unitRef="U002" decimals="0">177589</fnlc:NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan>
  <!--Number of shares registered pursuant to dividend reinvestment plan-->
  <fnlc:NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan contextRef="c20131231" unitRef="U002" decimals="0">600000</fnlc:NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan>
  <!--Number of trading days used in determining per share price of shares purchased-->
  <fnlc:NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased contextRef="c20120101to20121231" unitRef="U004" decimals="0">5</fnlc:NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1-Four Years [Member]-Plan 2011 [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2011Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FourYearsMember" unitRef="U004" decimals="1">4.0</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1-Five Years [Member]-Plan 2011 [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2011Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FiveYearsMember" unitRef="U004" decimals="1">5.0</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1-Years [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_YearsMember" unitRef="U004" decimals="1">3.0</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1-Plan 2012 [Member]-Four Years [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2012Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FourYearsMember" unitRef="U004" decimals="1">4.0</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1-Plan 2012 [Member]-Five Years [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2012Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FiveYearsMember" unitRef="U004" decimals="1">5.0</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period-Four Years [Member]-Plan 2011 [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2011Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FourYearsMember" unitRef="U004" decimals="1">2.1</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period-Five Years [Member]-Plan 2011 [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2011Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FiveYearsMember" unitRef="U004" decimals="1">3.1</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period-Years [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_YearsMember" unitRef="U004" decimals="1">2.2</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period-Plan 2012 [Member]-Four Years [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2012Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FourYearsMember" unitRef="U004" decimals="1">3.2</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period-Plan 2012 [Member]-Five Years [Member]-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_Plan2012Member_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember_VestingTermAxis_FiveYearsMember" unitRef="U004" decimals="1">4.2</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod>
  <!--Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period-Restricted Stock [Member]-->
  <fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod contextRef="c20120101to20121231_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_RestrictedStockMember" unitRef="U004" decimals="1">3.4</fnlc:ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod>
  <!--Percentage of options vesting two years-->
  <fnlc:PercentageOfOptionsVestingTwoYears contextRef="c20121231" unitRef="U004" decimals="1">0.5</fnlc:PercentageOfOptionsVestingTwoYears>
  <!--Vesting Term For First Tranche Of Optios Awarded-->
  <fnlc:VestingTermForFirstTrancheOfOptiosAwarded contextRef="c20120101to20121231">2</fnlc:VestingTermForFirstTrancheOfOptiosAwarded>
  <!--Percentage of options vesting five years-->
  <fnlc:PercentageOfOptionsVestingFiveYears contextRef="c20121231" unitRef="U004" decimals="1">0.5</fnlc:PercentageOfOptionsVestingFiveYears>
  <!--Vesting Term For Final Tranche Of Optios Awarded-->
  <fnlc:VestingTermForFinalTrancheOfOptiosAwarded contextRef="c20120101to20121231">5</fnlc:VestingTermForFinalTrancheOfOptiosAwarded>
  <!--Exercised options, aggregate intrinsic value-->
  <fnlc:ExercisedOptionsAggregateIntrinsicValue contextRef="c20121231" unitRef="U001" decimals="0">59000</fnlc:ExercisedOptionsAggregateIntrinsicValue>
  <!--Schedule of Number Of Options And Warrants Outstanding [Table Text Block]-->
  <fnlc:ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;All earnings per share calculations have been made using the weighted average number of shares outstanding during the period. The dilutive securities are incentive stock options granted to certain key members of Management and warrants granted to the U.S. Treasury under the Capital Purchase Program. The dilutive number of shares has been calculated using the treasury method, assuming that all granted options and warrants were exercisable at the end of each period. The following table presents the number of options and warrants outstanding as of December 31, 2012, 2011 and 2010 and the amount which are above or below the strike price:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;Outstanding&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;In-the-Money&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;Out-of-the-Money&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2012&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Incentive stock options&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Warrants issued to U.S. Treasury&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total dilutive securities&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2011&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Incentive stock options&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;51,000&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,000&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Warrants issued to U.S. Treasury&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total dilutive securities&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;276,904&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;9,000&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;As of December 31, 2010&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div&gt;&amp;#160;&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Incentive stock options&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;55,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,500&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;42,000&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="width: 39.68%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Warrants issued to U.S. Treasury&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 17.19%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 19.03%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td style="width: 24.1%; vertical-align: bottom;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;225,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total dilutive securities&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;281,404&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;13,500&lt;/div&gt;&lt;/td&gt;&lt;td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"&gt;&lt;div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;267,904&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock>
  <!--Less dividends and amortization of premium on preferred stock-->
  <fnlc:LessDividendsAndAmortizationOfPremiumOnPreferredStock contextRef="c20120101to20121231" unitRef="U001" decimals="0">723000</fnlc:LessDividendsAndAmortizationOfPremiumOnPreferredStock>
  <!--Less dividends and amortization of premium on preferred stock-->
  <fnlc:LessDividendsAndAmortizationOfPremiumOnPreferredStock contextRef="c20110101to20111231" unitRef="U001" decimals="0">1208000</fnlc:LessDividendsAndAmortizationOfPremiumOnPreferredStock>
  <!--Less dividends and amortization of premium on preferred stock-->
  <fnlc:LessDividendsAndAmortizationOfPremiumOnPreferredStock contextRef="c20100101to20101231" unitRef="U001" decimals="0">1348000</fnlc:LessDividendsAndAmortizationOfPremiumOnPreferredStock>
  <!--Earnings Per Share Total Dilutive Securities-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20121231" unitRef="U002" decimals="0">267904</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-In Money [Member]-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20121231_PriceLevelOfOptionsAndWarrantsAxis_InMoneyMember" unitRef="U002" decimals="0">0</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-Out Of Money [Member]-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20121231_PriceLevelOfOptionsAndWarrantsAxis_OutOfMoneyMember" unitRef="U002" decimals="0">267904</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20111231" unitRef="U002" decimals="0">276904</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-In Money [Member]-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20111231_PriceLevelOfOptionsAndWarrantsAxis_InMoneyMember" unitRef="U002" decimals="0">9000</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-Out Of Money [Member]-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20111231_PriceLevelOfOptionsAndWarrantsAxis_OutOfMoneyMember" unitRef="U002" decimals="0">267904</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20101231" unitRef="U002" decimals="0">281404</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-In Money [Member]-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20101231_PriceLevelOfOptionsAndWarrantsAxis_InMoneyMember" unitRef="U002" decimals="0">13500</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Earnings Per Share Total Dilutive Securities-Out Of Money [Member]-->
  <fnlc:EarningsPerShareTotalDilutiveSecurities contextRef="c20101231_PriceLevelOfOptionsAndWarrantsAxis_OutOfMoneyMember" unitRef="U002" decimals="0">267904</fnlc:EarningsPerShareTotalDilutiveSecurities>
  <!--Retained Earnings From Prior Two Years Available For Dividends-->
  <fnlc:RetainedEarningsFromPriorTwoYearsAvailableForDividends contextRef="c20121231" unitRef="U001" decimals="0">6781000</fnlc:RetainedEarningsFromPriorTwoYearsAvailableForDividends>
  <!--Off-Balance-Sheet Financial instruments [Table Text Block]-->
  <fnlc:OffBalanceSheetFinancialInstrumentsTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;At December 31, 2012 and 2011, the Bank had the following off-balance-sheet financial instruments, whose contract amounts represent credit risk:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unused lines, collateralized by residential real estate&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;56,420,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;59,427,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other unused commitments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;45,747,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;39,313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Standby letters of credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2,700,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2,177,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Commitments to extend credit&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;6,245,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;12,551,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;111,112,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;113,468,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:OffBalanceSheetFinancialInstrumentsTableTextBlock>
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  <fnlc:HomeEquityLineOfCredit contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">99038000</fnlc:HomeEquityLineOfCredit>
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  <fnlc:AccruedInterestReceivableFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">4912000</fnlc:AccruedInterestReceivableFairValueDisclosure>
  <!--Accrued Interest Receivable Fair Value Disclosure-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <fnlc:AccruedInterestReceivableFairValueDisclosure contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">4912000</fnlc:AccruedInterestReceivableFairValueDisclosure>
  <!--Accrued Interest Receivable Fair Value Disclosure-Fair Value, Inputs, Level 1 [Member]-->
  <fnlc:AccruedInterestReceivableFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</fnlc:AccruedInterestReceivableFairValueDisclosure>
  <!--Accrued Interest Receivable Fair Value Disclosure-Fair Value, Inputs, Level 2 [Member]-->
  <fnlc:AccruedInterestReceivableFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">4912000</fnlc:AccruedInterestReceivableFairValueDisclosure>
  <!--Accrued Interest Receivable Fair Value Disclosure-Fair Value, Inputs, Level 3 [Member]-->
  <fnlc:AccruedInterestReceivableFairValueDisclosure contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</fnlc:AccruedInterestReceivableFairValueDisclosure>
  <!--Accrued Interest Receivable Fair Value Disclosure-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <fnlc:AccruedInterestReceivableFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">4835000</fnlc:AccruedInterestReceivableFairValueDisclosure>
  <!--Accrued Interest Receivable Fair Value Disclosure-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <fnlc:AccruedInterestReceivableFairValueDisclosure contextRef="c20111231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">4835000</fnlc:AccruedInterestReceivableFairValueDisclosure>
  <!--National Certificates of Deposit-Carrying (Reported) Amount, Fair Value Disclosure [Member]-->
  <fnlc:NationalCertificatesOfDeposit contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_CarryingReportedAmountFairValueDisclosureMember" unitRef="U001" decimals="0">286485000</fnlc:NationalCertificatesOfDeposit>
  <!--National Certificates of Deposit-Estimate of Fair Value, Fair Value Disclosure [Member]-->
  <fnlc:NationalCertificatesOfDeposit contextRef="c20121231_FairValueByBalanceSheetGroupingDisclosureItemAmountsAxis_EstimateOfFairValueFairValueDisclosureMember" unitRef="U001" decimals="0">290457000</fnlc:NationalCertificatesOfDeposit>
  <!--National Certificates of Deposit-Fair Value, Inputs, Level 1 [Member]-->
  <fnlc:NationalCertificatesOfDeposit contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel1Member" unitRef="U001" decimals="0">0</fnlc:NationalCertificatesOfDeposit>
  <!--National Certificates of Deposit-Fair Value, Inputs, Level 2 [Member]-->
  <fnlc:NationalCertificatesOfDeposit contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel2Member" unitRef="U001" decimals="0">290457000</fnlc:NationalCertificatesOfDeposit>
  <!--National Certificates of Deposit-Fair Value, Inputs, Level 3 [Member]-->
  <fnlc:NationalCertificatesOfDeposit contextRef="c20121231_FairValueByFairValueHierarchyLevelAxis_FairValueInputsLevel3Member" unitRef="U001" decimals="0">0</fnlc:NationalCertificatesOfDeposit>
  <!--Schedule Of Other Operating Income And Expense [Table Text Block]-->
  <fnlc:ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other operating income and other operating expense include the following items greater than 1% of revenues.&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other operating income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;ATM and debit card income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;1,994,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,744,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;1,394,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Other operating expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Advertising and marketing expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;935,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;713,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Collections/foreclosures/ other real estate owned expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;606,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;964,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;825,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;ATM and interchange expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;940,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;848,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;581,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Legal fees and expenses&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;715,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;670,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;608,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock>
  <!--ATM and interchange expense-->
  <fnlc:AtmAndInterchangeExpense contextRef="c20121231" unitRef="U001" decimals="0">940000</fnlc:AtmAndInterchangeExpense>
  <!--ATM and interchange expense-->
  <fnlc:AtmAndInterchangeExpense contextRef="c20111231" unitRef="U001" decimals="0">848000</fnlc:AtmAndInterchangeExpense>
  <!--ATM and interchange expense-->
  <fnlc:AtmAndInterchangeExpense contextRef="c20101231" unitRef="U001" decimals="0">581000</fnlc:AtmAndInterchangeExpense>
  <!--Legal fees and expenses-->
  <fnlc:LegalFeesAndExpenses contextRef="c20121231" unitRef="U001" decimals="0">715000</fnlc:LegalFeesAndExpenses>
  <!--Legal fees and expenses-->
  <fnlc:LegalFeesAndExpenses contextRef="c20111231" unitRef="U001" decimals="0">670000</fnlc:LegalFeesAndExpenses>
  <!--Legal fees and expenses-->
  <fnlc:LegalFeesAndExpenses contextRef="c20101231" unitRef="U001" decimals="0">608000</fnlc:LegalFeesAndExpenses>
  <!--Condensed financial information for The Parent [Table Text Block]-->
  <fnlc:CondensedFinancialInformationForParentTableTextBlock contextRef="c20120101to20121231">&lt;div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Condensed financial information for The First Bancorp, Inc. exclusive of its subsidiary is as follows:&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Balance Sheets&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;As of December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Assets&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,685,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;894,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Dividends receivable&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,900,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,900,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;429,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;327,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Investment in subsidiary&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;125,580,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;122,009,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Premises and equipment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;43,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;26,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Goodwill&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;27,559,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;27,559,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;72,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;57,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;158,268,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;152,772,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&lt;u&gt;Liabilities and shareholders' equity&lt;/u&gt;&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Dividends payable&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,923,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,912,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,945,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,914,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,402,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,303,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Common stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;98,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;98,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Additional paid-in capital&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;46,314,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;45,829,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Retained earnings&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;97,509,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;92,694,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Accumulated other comprehensive loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net unrealized loss on available for sale securities,&lt;/div&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;net of tax benefit of $33,000 in 2011&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(66,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Total accumulated other comprehensive loss&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(66,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;156,323,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,858,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Total liabilities and shareholders' equity&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;158,268,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;152,772,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Statements of Income&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Interest and dividends on investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net securities gains&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;163,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Occupancy expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;4,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Other operating expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;218,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;137,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;150,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Total expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;226,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;151,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income (loss) before income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(216,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(141,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Applicable income taxes&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(76,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(38,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Income (loss) before Bank earnings&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(140,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;7,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(103,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Equity in earnings of Bank&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; text-indent: 10pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Remitted&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;9,694,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,710,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,850,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; text-indent: 10pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Unremitted&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;3,134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,647,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;3,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;&amp;#160;&amp;#160;&amp;#160;Net income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,364,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,116,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="margin-bottom: 10pt;"&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Statements of Cash Flows&lt;/div&gt;&lt;div&gt;&lt;br /&gt;&lt;/div&gt;&lt;table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"&gt;&lt;tr&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;For the years ended December 31,&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;2012&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2011&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&lt;div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;2010&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash flows from operating activities:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td colspan="2" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div&gt;&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Net income&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;12,688,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,364,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,116,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td colspan="12" valign="bottom" style="vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Adjustments to reconcile net income to net cash provided by operating activities:&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Depreciation&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;8,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;13,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Equity compensation expense&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;85,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;22,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;37,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Gain on sale of investment&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(153,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Increase in other assets&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(15,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(42,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(1,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Increase (decrease) in other liabilities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;44,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;5,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Unremitted earnings of Bank&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(3,134,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(3,647,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(3,369,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;Net cash provided by operating activities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;9,627,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,601,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;8,788,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash flows from investing activities:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Proceeds from sales/maturities of investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,773,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Purchases of investments&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(273,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Capital expenditures&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(29,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.25pt solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;Net cash provided by (used in) investing activities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(25,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;12,471,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(10,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash flows from financing activities:&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Payment to repurchase preferred stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(12,500,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;-&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Proceeds from sale of common stock&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;499,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;431,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;416,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;&amp;#160;&amp;#160;Dividends paid&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(8,310,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(8,751,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(8,865,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;&amp;#160;&amp;#160;&amp;#160;Net cash used in financing activities&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;(7,811,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(20,820,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;(8,449,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;)&lt;/div&gt;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Net increase in cash and cash equivalents&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;1,791,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;252,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;329,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #cceeff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"&gt;Cash and cash equivalents at beginning of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;894,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;642,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;313,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;tr style="background-color: #ffffff;"&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"&gt;&lt;div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"&gt;Cash and cash equivalents at end of year&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"&gt;2,685,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;894,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;$&lt;/div&gt;&lt;/td&gt;&lt;td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"&gt;&lt;div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"&gt;642,000&lt;/div&gt;&lt;/td&gt;&lt;td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"&gt;&amp;#160;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;</fnlc:CondensedFinancialInformationForParentTableTextBlock>
  <!--Total income-Parent Company [Member]-->
  <fnlc:TotalIncome contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">10000</fnlc:TotalIncome>
  <!--Total income-Parent Company [Member]-->
  <fnlc:TotalIncome contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">163000</fnlc:TotalIncome>
  <!--Total income-Parent Company [Member]-->
  <fnlc:TotalIncome contextRef="c20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">10000</fnlc:TotalIncome>
  <!--Occupancy expenses-Parent Company [Member]-->
  <fnlc:OccupancyExpenses contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">8000</fnlc:OccupancyExpenses>
  <!--Occupancy expenses-Parent Company [Member]-->
  <fnlc:OccupancyExpenses contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">4000</fnlc:OccupancyExpenses>
  <!--Occupancy expenses-Parent Company [Member]-->
  <fnlc:OccupancyExpenses contextRef="c20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">1000</fnlc:OccupancyExpenses>
  <!--Total expense-Parent Company [Member]-->
  <fnlc:TotalExpense contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">226000</fnlc:TotalExpense>
  <!--Total expense-Parent Company [Member]-->
  <fnlc:TotalExpense contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">141000</fnlc:TotalExpense>
  <!--Total expense-Parent Company [Member]-->
  <fnlc:TotalExpense contextRef="c20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">151000</fnlc:TotalExpense>
  <!--Income (loss) before Bank earnings-Parent Company [Member]-->
  <fnlc:IncomeLossBeforeBankEarnings contextRef="c20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">-140000</fnlc:IncomeLossBeforeBankEarnings>
  <!--Income (loss) before Bank earnings-Parent Company [Member]-->
  <fnlc:IncomeLossBeforeBankEarnings contextRef="c20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">7000</fnlc:IncomeLossBeforeBankEarnings>
  <!--Income (loss) before Bank earnings-Parent Company [Member]-->
  <fnlc:IncomeLossBeforeBankEarnings contextRef="c20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">-103000</fnlc:IncomeLossBeforeBankEarnings>
  <!--Equity In Remitted Earnings From Subsidiary-Parent Company [Member]-->
  <fnlc:EquityInRemittedEarningsFromSubsidiary contextRef="c20120101to20121231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">9694000</fnlc:EquityInRemittedEarningsFromSubsidiary>
  <!--Equity In Remitted Earnings From Subsidiary-Parent Company [Member]-->
  <fnlc:EquityInRemittedEarningsFromSubsidiary contextRef="c20110101to20111231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">8710000</fnlc:EquityInRemittedEarningsFromSubsidiary>
  <!--Equity In Remitted Earnings From Subsidiary-Parent Company [Member]-->
  <fnlc:EquityInRemittedEarningsFromSubsidiary contextRef="c20100101to20101231_LegalEntityAxis_ParentCompanyMember" unitRef="U001" decimals="0">8850000</fnlc:EquityInRemittedEarningsFromSubsidiary>
  <!--Equity In Unremitted Earnings From Subsidiary-Parent Company [Member]-->
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>11
<FILENAME>fnlc-20121231_cal.xml
<TEXT>
<XBRL>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>13
<FILENAME>fnlc-20121231_lab.xml
<TEXT>
<XBRL>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestPaid" xlink:label="InterestPaid" xlink:title="InterestPaid" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfShortTermDebt" xlink:label="ProceedsFromRepaymentsOfShortTermDebt" xlink:title="ProceedsFromRepaymentsOfShortTermDebt" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommercialRealEstateMember" xlink:label="CommercialRealEstateMember" xlink:title="CommercialRealEstateMember" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="CommonStockSharesAuthorized" xlink:title="CommonStockSharesAuthorized" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredTaxLiabilities_lbl" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="us-gaap_DeferredTaxLiabilities_lbl" xml:lang="en-US" id="us-gaap_DeferredTaxLiabilities_lbl">Total deferred tax liability</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredTaxLiabilities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DeferredTaxLiabilities_lbl1" xml:lang="en-US" id="us-gaap_DeferredTaxLiabilities_lbl1">Deferred Tax Liabilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilities" xlink:to="us-gaap_DeferredTaxLiabilities_lbl1" xlink:title="label: DeferredTaxLiabilities to us-gaap_DeferredTaxLiabilities_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredTaxLiabilitiesMortgageServicingRights" xlink:label="DeferredTaxLiabilitiesMortgageServicingRights" xlink:title="DeferredTaxLiabilitiesMortgageServicingRights" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl" xml:lang="en-US" id="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl">Mortgage servicing rights</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesMortgageServicingRights" xlink:to="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl" xlink:title="label: DeferredTaxLiabilitiesMortgageServicingRights to us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl1" xml:lang="en-US" id="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl1">Deferred Tax Liabilities, Mortgage Servicing Rights</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesMortgageServicingRights" xlink:to="us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl1" xlink:title="label: DeferredTaxLiabilitiesMortgageServicingRights to us-gaap_DeferredTaxLiabilitiesMortgageServicingRights_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredTaxLiabilitiesOther" xlink:label="DeferredTaxLiabilitiesOther" xlink:title="DeferredTaxLiabilitiesOther" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredTaxLiabilitiesOther_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_DeferredTaxLiabilitiesOther_lbl" xml:lang="en-US" id="us-gaap_DeferredTaxLiabilitiesOther_lbl">Other liabilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesOther" xlink:to="us-gaap_DeferredTaxLiabilitiesOther_lbl" xlink:title="label: DeferredTaxLiabilitiesOther to us-gaap_DeferredTaxLiabilitiesOther_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DeferredTaxLiabilitiesOther_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DeferredTaxLiabilitiesOther_lbl1" xml:lang="en-US" id="us-gaap_DeferredTaxLiabilitiesOther_lbl1">Deferred Tax Liabilities, Other</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxLiabilitiesOther" xlink:to="us-gaap_DeferredTaxLiabilitiesOther_lbl1" xlink:title="label: DeferredTaxLiabilitiesOther to us-gaap_DeferredTaxLiabilitiesOther_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DefinedBenefitPlansDomain" xlink:label="DefinedBenefitPlansDomain" xlink:title="DefinedBenefitPlansDomain" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlansDomain" xlink:to="us-gaap_DefinedBenefitPlansDomain_lbl" xlink:title="label: DefinedBenefitPlansDomain to us-gaap_DefinedBenefitPlansDomain_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlansGeneralInformation_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlansGeneralInformation_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlansGeneralInformation_lbl">Defined benefit plans, general information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlansGeneralInformation" xlink:to="us-gaap_DefinedBenefitPlansGeneralInformation_lbl" xlink:title="label: DefinedBenefitPlansGeneralInformation to us-gaap_DefinedBenefitPlansGeneralInformation_lbl" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedContributionPlanCostRecognized_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedContributionPlanCostRecognized_lbl" xml:lang="en-US" id="us-gaap_DefinedContributionPlanCostRecognized_lbl">Expense related to 401(k) plan</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" xml:lang="en-US" id="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl">Certificates of Deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesDisclosuresTextBlock" xlink:to="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" xlink:title="label: DepositLiabilitiesDisclosuresTextBlock to us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl1" xml:lang="en-US" id="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl1">Deposit Liabilities Disclosures [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositLiabilitiesDisclosuresTextBlock" xlink:to="us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl1" xlink:title="label: DepositLiabilitiesDisclosuresTextBlock to us-gaap_DepositLiabilitiesDisclosuresTextBlock_lbl1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_Deposits_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_Deposits_lbl" xml:lang="en-US" id="us-gaap_Deposits_lbl">Total deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Deposits" xlink:to="us-gaap_Deposits_lbl" xlink:title="label: Deposits to us-gaap_Deposits_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_Deposits_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_Deposits_lbl1" xml:lang="en-US" id="us-gaap_Deposits_lbl1">Total deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Deposits" xlink:to="us-gaap_Deposits_lbl1" xlink:title="label: Deposits to us-gaap_Deposits_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDepositsLessThan100000" xlink:label="TimeDepositsLessThan100000" xlink:title="TimeDepositsLessThan100000" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsLessThan100000" xlink:to="us-gaap_TimeDepositsLessThan100000_lbl" xlink:title="label: TimeDepositsLessThan100000 to us-gaap_TimeDepositsLessThan100000_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositsLessThan100000_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositsLessThan100000_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositsLessThan100000_lbl1">Time Deposits, Less than $100,000</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsLessThan100000" xlink:to="us-gaap_TimeDepositsLessThan100000_lbl1" xlink:title="label: TimeDepositsLessThan100000 to us-gaap_TimeDepositsLessThan100000_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DemandDepositAccounts" xlink:label="DemandDepositAccounts" xlink:title="DemandDepositAccounts" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DemandDepositAccounts_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DemandDepositAccounts_lbl" xml:lang="en-US" id="us-gaap_DemandDepositAccounts_lbl">Demand deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DemandDepositAccounts" xlink:to="us-gaap_DemandDepositAccounts_lbl" xlink:title="label: DemandDepositAccounts to us-gaap_DemandDepositAccounts_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepositsMoneyMarketDeposits" xlink:label="DepositsMoneyMarketDeposits" xlink:title="DepositsMoneyMarketDeposits" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DepositsMoneyMarketDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DepositsMoneyMarketDeposits_lbl" xml:lang="en-US" id="us-gaap_DepositsMoneyMarketDeposits_lbl">Money market deposits</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepositsNegotiableOrderOfWithdrawalNOW" xlink:label="DepositsNegotiableOrderOfWithdrawalNOW" xlink:title="DepositsNegotiableOrderOfWithdrawalNOW" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_DepositsSavingsDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DepositsSavingsDeposits_lbl" xml:lang="en-US" id="us-gaap_DepositsSavingsDeposits_lbl">Savings deposits</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_OtherDepreciationAndAmortization_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OtherDepreciationAndAmortization_lbl" xml:lang="en-US" id="us-gaap_OtherDepreciationAndAmortization_lbl">Amortization of investments in limited partnerships</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalFundsSold" xlink:label="FederalFundsSold" xlink:title="FederalFundsSold" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_lbl">2015 (in hundredths)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_lbl1" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAverageInterestRateTwoToThreeYearsFromBalanceSheetDate_lbl1">Federal Home Loan Bank, Advances, Maturities Summary, Average Interest Rate, Two to Three Years from Balance Sheet Date</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeAfterFiveYearsInterestRateRange_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeAfterFiveYearsInterestRateRange_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeAfterFiveYearsInterestRateRange_lbl">2018 and thereafter (in hundredths)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderOneYearInterestRateRange_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderOneYearInterestRateRange_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderOneYearInterestRateRange_lbl">2013 (in hundredths)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate_lbl">2018 and thereafter</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate_lbl">2017 Maturity</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:label="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" xlink:title="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate_lbl">2014 Maturity</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate_lbl">2016 Maturity</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:label="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" xlink:title="FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate_lbl">2015 Maturity</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_lbl" xml:lang="en-US" id="us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate_lbl">2013 Maturity</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FederalHomeLoanBankStock" xlink:to="us-gaap_FederalHomeLoanBankStock_lbl1" xlink:title="label: FederalHomeLoanBankStock to us-gaap_FederalHomeLoanBankStock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAbstract" xlink:label="FiniteLivedIntangibleAssetsAbstract" xlink:title="FiniteLivedIntangibleAssetsAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FutureAmortizationExpenseYearFour" xlink:label="FutureAmortizationExpenseYearFour" xlink:title="FutureAmortizationExpenseYearFour" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="InterestExpenseAbstract" xlink:title="InterestExpenseAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseTimeDeposits100000OrMore" xlink:label="InterestExpenseTimeDeposits100000OrMore" xlink:title="InterestExpenseTimeDeposits100000OrMore" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_HeldToMaturitySecurities" xlink:label="HeldToMaturitySecurities" xlink:title="HeldToMaturitySecurities" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="MortgageBackedSecuritiesMember" xlink:title="MortgageBackedSecuritiesMember" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl1" xml:lang="en-US" id="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl1">Net cash provided by operating activities</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="PaymentsForProceedsFromLoansAndLeases" xlink:title="PaymentsForProceedsFromLoansAndLeases" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1" xml:lang="en-US" id="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1">Payments for (Proceeds from) Loans and Leases</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsForProceedsFromLoansAndLeases" xlink:to="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1" xlink:title="label: PaymentsForProceedsFromLoansAndLeases to us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInTimeDeposits" xlink:label="IncreaseDecreaseInTimeDeposits" xlink:title="IncreaseDecreaseInTimeDeposits" />
    <link:label xlink:type="resource" xlink:label="us-gaap_IncreaseDecreaseInTimeDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_IncreaseDecreaseInTimeDeposits_lbl" xml:lang="en-US" id="us-gaap_IncreaseDecreaseInTimeDeposits_lbl">Net increase (decrease) in certificates of deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInTimeDeposits" xlink:to="us-gaap_IncreaseDecreaseInTimeDeposits_lbl" xlink:title="label: IncreaseDecreaseInTimeDeposits to us-gaap_IncreaseDecreaseInTimeDeposits_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="NetIncomeLoss" xlink:title="NetIncomeLoss" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetIncomeLoss_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US" id="us-gaap_NetIncomeLoss_lbl">Net income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl" xlink:title="label: NetIncomeLoss to us-gaap_NetIncomeLoss_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetIncomeLoss_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetIncomeLoss_lbl1" xml:lang="en-US" id="us-gaap_NetIncomeLoss_lbl1">Net income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl1" xlink:title="label: NetIncomeLoss to us-gaap_NetIncomeLoss_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetIncomeLoss_lbl2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NetIncomeLoss_lbl2" xml:lang="en-US" id="us-gaap_NetIncomeLoss_lbl2">Net income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl2" xlink:title="label: NetIncomeLoss to us-gaap_NetIncomeLoss_lbl2" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetIncomeLoss_lbl3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_NetIncomeLoss_lbl3" xml:lang="en-US" id="us-gaap_NetIncomeLoss_lbl3">Net income as reported</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLoss" xlink:to="us-gaap_NetIncomeLoss_lbl3" xlink:title="label: NetIncomeLoss to us-gaap_NetIncomeLoss_lbl3" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic" xlink:label="NetIncomeLossAvailableToCommonStockholdersBasic" xlink:title="NetIncomeLossAvailableToCommonStockholdersBasic" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xml:lang="en-US" id="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl">Basic EPS: Income available to common shareholders</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl1" xml:lang="en-US" id="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl1">Net income available to common shareholders</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl1" xlink:title="label: NetIncomeLossAvailableToCommonStockholdersBasic to us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl2" xml:lang="en-US" id="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl2">Net Income (Loss) Available to Common Stockholders, Basic</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetIncomeLossAvailableToCommonStockholdersBasic" xlink:to="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl2" xlink:title="label: NetIncomeLossAvailableToCommonStockholdersBasic to us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:title="CashAndCashEquivalentsPeriodIncreaseDecrease" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl">Net increase in cash and cash equivalents</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl1" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl1" xml:lang="en-US" id="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl1">Net increase (decrease) in cash and cash equivalents</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl1" xlink:title="label: CashAndCashEquivalentsPeriodIncreaseDecrease to us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="InterestIncomeExpenseNet" xlink:title="InterestIncomeExpenseNet" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseNet_lbl">Net interest income</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InterestIncomeExpenseNet_lbl1" xml:lang="en-US" id="us-gaap_InterestIncomeExpenseNet_lbl1">Net interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl1" xlink:title="label: InterestIncomeExpenseNet to us-gaap_InterestIncomeExpenseNet_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="LoansAndLeasesReceivableAllowance" xlink:title="LoansAndLeasesReceivableAllowance" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_LoansAndLeasesReceivableAllowance_lbl1" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowance_lbl1">Beginning balance</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl2" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_LoansAndLeasesReceivableAllowance_lbl2" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowance_lbl2">Ending balance</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl3" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_LoansAndLeasesReceivableAllowance_lbl3" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowance_lbl3">Less allowance for loan losses</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl4" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansAndLeasesReceivableAllowance_lbl4" xml:lang="en-US" id="us-gaap_LoansAndLeasesReceivableAllowance_lbl4">Loans and Leases Receivable, Allowance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl4" xlink:title="label: LoansAndLeasesReceivableAllowance to us-gaap_LoansAndLeasesReceivableAllowance_lbl4" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US" id="us-gaap_NoninterestIncomeAbstract_lbl">Non-interest income</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl1" xml:lang="en-US" id="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl1">Payments to Acquire Property, Plant, and Equipment</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForProceedsFromInvestments" xlink:label="PaymentsForProceedsFromInvestments" xlink:title="PaymentsForProceedsFromInvestments" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_PaymentsForProceedsFromInvestments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_PaymentsForProceedsFromInvestments_lbl1" xml:lang="en-US" id="us-gaap_PaymentsForProceedsFromInvestments_lbl1">Payments for (Proceeds from) Investments</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateAcquiredThroughForeclosure" xlink:label="RealEstateAcquiredThroughForeclosure" xlink:title="RealEstateAcquiredThroughForeclosure" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateAcquiredThroughForeclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateAcquiredThroughForeclosure_lbl" xml:lang="en-US" id="us-gaap_RealEstateAcquiredThroughForeclosure_lbl">Real estate acquired in settlement of loans</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateOwnedTextBlock" xlink:label="RealEstateOwnedTextBlock" xlink:title="RealEstateOwnedTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_RealEstateOwnedTextBlock_lbl" xml:lang="en-US" id="us-gaap_RealEstateOwnedTextBlock_lbl">Other Real Estate Owned</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateOwnedTextBlock_lbl1" xml:lang="en-US" id="us-gaap_RealEstateOwnedTextBlock_lbl1">Real Estate Owned [Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateOwnedDisclosureOfDetailedComponentsAbstract" xlink:label="RealEstateOwnedDisclosureOfDetailedComponentsAbstract" xlink:title="RealEstateOwnedDisclosureOfDetailedComponentsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedDisclosureOfDetailedComponentsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateOwnedDisclosureOfDetailedComponentsAbstract_lbl" xml:lang="en-US" id="us-gaap_RealEstateOwnedDisclosureOfDetailedComponentsAbstract_lbl">Other Real Estate Owned [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowanceComponent" xlink:label="RealEstateOwnedValuationAllowanceComponent" xlink:title="RealEstateOwnedValuationAllowanceComponent" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowanceComponent_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateOwnedValuationAllowanceComponent_lbl" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowanceComponent_lbl">Allowance for OREO losses</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowance" xlink:label="RealEstateOwnedValuationAllowance" xlink:title="RealEstateOwnedValuationAllowance" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowance_lbl" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_RealEstateOwnedValuationAllowance_lbl" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowance_lbl">Balance at beginning of year</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowance_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_RealEstateOwnedValuationAllowance_lbl1" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowance_lbl1">Balance at end of year</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowance_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateOwnedValuationAllowance_lbl2" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowance_lbl2">Real Estate Owned, Valuation Allowance</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowanceRollForward" xlink:label="RealEstateOwnedValuationAllowanceRollForward" xlink:title="RealEstateOwnedValuationAllowanceRollForward" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowanceRollForward_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_RealEstateOwnedValuationAllowanceRollForward_lbl" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowanceRollForward_lbl">Real Estate Owned Valuation Allowance [Roll Forward]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowanceRollForward_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateOwnedValuationAllowanceRollForward_lbl1" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowanceRollForward_lbl1">Real Estate Owned Valuation Allowance [Roll Forward]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied" xlink:label="RealEstateOwnedValuationAllowanceAmountsApplied" xlink:title="RealEstateOwnedValuationAllowanceAmountsApplied" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied_lbl" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied_lbl">Losses charged to allowance</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateOwnedValuationAllowanceProvision" xlink:label="RealEstateOwnedValuationAllowanceProvision" xlink:title="RealEstateOwnedValuationAllowanceProvision" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RealEstateOwnedValuationAllowanceProvision_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RealEstateOwnedValuationAllowanceProvision_lbl" xml:lang="en-US" id="us-gaap_RealEstateOwnedValuationAllowanceProvision_lbl">Provision charged to operating expenses</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:title="LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PaymentsForRepurchaseOfPreferredStockAndPreferenceStock" xlink:to="us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock_lbl1" xlink:title="label: PaymentsForRepurchaseOfPreferredStockAndPreferenceStock to us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock_lbl1" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RiskBasedRatiosAbstract" xlink:label="RiskBasedRatiosAbstract" xlink:title="RiskBasedRatiosAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:label="EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:title="EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl1" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl1">Granted in 2012 (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl2" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl2">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Net of Forfeitures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl2" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl">Granted options, weighted average exercise price (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl1" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl1">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_lbl">Outstanding options, end of period, aggregate intrinsic value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl">Incentive stock options (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl1" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl1">Outstanding, beginning of period (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl2" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl2" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl2">Outstanding, end of period (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl2" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl">Outstanding options, weighted average exercise price, beginning of period (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl1" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl1" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl1">Outstanding options, weighted average exercise price, end of period (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl2" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl2">Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl2" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl">Exercisable, end of period (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl">Exercisable options, weighted average exercise price, end of period (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm_lbl">Exercisable options, end of period, weighted average remaining contractual term (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis" xlink:label="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis" xlink:title="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_lbl" xml:lang="en-US" id="us-gaap_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_lbl">Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Award Type and Plan Name [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis" xlink:to="us-gaap_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_lbl" xlink:title="label: ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis to us-gaap_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAndPlanNameAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:label="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:title="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl">Share-based Compensation Arrangements by Share-based Payment Award, Award Type and Plan Name [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl" xlink:title="label: ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain to us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl">Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:label="ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:title="ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" xml:lang="en-US" id="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl">Schedule of Share-based Compensation Arrangements by Share-based Payment Award [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" xlink:title="label: ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable to us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShortTermBorrowings" xlink:label="ShortTermBorrowings" xlink:title="ShortTermBorrowings" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShortTermBorrowings_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_ShortTermBorrowings_lbl" xml:lang="en-US" id="us-gaap_ShortTermBorrowings_lbl">Borrowed funds - short term</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_ShortTermBorrowings_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShortTermBorrowings_lbl1" xml:lang="en-US" id="us-gaap_ShortTermBorrowings_lbl1">Short-term Debt</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShortTermBorrowings" xlink:to="us-gaap_ShortTermBorrowings_lbl1" xlink:title="label: ShortTermBorrowings to us-gaap_ShortTermBorrowings_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="SignificantAccountingPoliciesTextBlock" xlink:title="SignificantAccountingPoliciesTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US" id="us-gaap_SignificantAccountingPoliciesTextBlock_lbl">Summary of Significant Accounting Policies</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xlink:title="label: SignificantAccountingPoliciesTextBlock to us-gaap_SignificantAccountingPoliciesTextBlock_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StandbyLettersOfCreditMember" xlink:label="StandbyLettersOfCreditMember" xlink:title="StandbyLettersOfCreditMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StandbyLettersOfCreditMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StandbyLettersOfCreditMember_lbl" xml:lang="en-US" id="us-gaap_StandbyLettersOfCreditMember_lbl">Standby Letters of Credit [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StandbyLettersOfCreditMember" xlink:to="us-gaap_StandbyLettersOfCreditMember_lbl" xlink:title="label: StandbyLettersOfCreditMember to us-gaap_StandbyLettersOfCreditMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="StatementOfCashFlowsAbstract" xlink:title="StatementOfCashFlowsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StatementOfCashFlowsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_StatementOfCashFlowsAbstract_lbl" xml:lang="en-US" id="us-gaap_StatementOfCashFlowsAbstract_lbl">Statements of Cash Flows</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract_lbl" xlink:title="label: StatementOfCashFlowsAbstract to us-gaap_StatementOfCashFlowsAbstract_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StatementOfCashFlowsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StatementOfCashFlowsAbstract_lbl1" xml:lang="en-US" id="us-gaap_StatementOfCashFlowsAbstract_lbl1">Consolidated Statements of Cash Flows (Unaudited) [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract_lbl1" xlink:title="label: StatementOfCashFlowsAbstract to us-gaap_StatementOfCashFlowsAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="StatementOfStockholdersEquityAbstract" xlink:title="StatementOfStockholdersEquityAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StatementOfStockholdersEquityAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StatementOfStockholdersEquityAbstract_lbl" xml:lang="en-US" id="us-gaap_StatementOfStockholdersEquityAbstract_lbl">Consolidated Statements of Changes in Shareholders' Equity (Unaudited) [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementOfStockholdersEquityAbstract" xlink:to="us-gaap_StatementOfStockholdersEquityAbstract_lbl" xlink:title="label: StatementOfStockholdersEquityAbstract to us-gaap_StatementOfStockholdersEquityAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="StockholdersEquityAbstract" xlink:title="StockholdersEquityAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US" id="us-gaap_StockholdersEquityAbstract_lbl">Shareholders' equity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" xlink:title="label: StockholdersEquityAbstract to us-gaap_StockholdersEquityAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquityNoteAbstract" xlink:label="StockholdersEquityNoteAbstract" xlink:title="StockholdersEquityNoteAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquityNoteAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockholdersEquityNoteAbstract_lbl" xml:lang="en-US" id="us-gaap_StockholdersEquityNoteAbstract_lbl">Preferred and Common Stock [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityNoteAbstract" xlink:to="us-gaap_StockholdersEquityNoteAbstract_lbl" xlink:title="label: StockholdersEquityNoteAbstract to us-gaap_StockholdersEquityNoteAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:label="StockholdersEquityNoteDisclosureTextBlock" xlink:title="StockholdersEquityNoteDisclosureTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl" xml:lang="en-US" id="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl">Preferred and Common Stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityNoteDisclosureTextBlock" xlink:to="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl" xlink:title="label: StockholdersEquityNoteDisclosureTextBlock to us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl1" xml:lang="en-US" id="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl1">Stockholders' Equity Note Disclosure [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockholdersEquityNoteDisclosureTextBlock" xlink:to="us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl1" xlink:title="label: StockholdersEquityNoteDisclosureTextBlock to us-gaap_StockholdersEquityNoteDisclosureTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights" xlink:label="ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights" xlink:title="ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights_lbl" xml:lang="en-US" id="us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights_lbl">Exercise price of the Warrants (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights" xlink:to="us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights_lbl" xlink:title="label: ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights to us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:label="ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:title="ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl" xml:lang="en-US" id="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl">Warrants issued to U.S. Treasury (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:to="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl" xlink:title="label: ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights to us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl1" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl1" xml:lang="en-US" id="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl1">Number of shares of common stock issuable pursuant to the Warrants, maximum (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:to="us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl1" xlink:title="label: ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights to us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="IncomeTaxesPaid" xlink:title="IncomeTaxesPaid" />
    <link:label xlink:type="resource" xlink:label="us-gaap_IncomeTaxesPaid_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_IncomeTaxesPaid_lbl" xml:lang="en-US" id="us-gaap_IncomeTaxesPaid_lbl">Income taxes paid</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeTaxesPaid" xlink:to="us-gaap_IncomeTaxesPaid_lbl" xlink:title="label: IncomeTaxesPaid to us-gaap_IncomeTaxesPaid_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:label="TierOneLeverageCapital" xlink:title="TierOneLeverageCapital" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneLeverageCapital_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneLeverageCapital_lbl" xml:lang="en-US" id="us-gaap_TierOneLeverageCapital_lbl">Actual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneLeverageCapital" xlink:to="us-gaap_TierOneLeverageCapital_lbl" xlink:title="label: TierOneLeverageCapital to us-gaap_TierOneLeverageCapital_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalAbstract" xlink:label="TierOneLeverageCapitalAbstract" xlink:title="TierOneLeverageCapitalAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneLeverageCapitalAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneLeverageCapitalAbstract_lbl" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalAbstract_lbl">Tier 1 capital to average assets [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneLeverageCapitalAbstract" xlink:to="us-gaap_TierOneLeverageCapitalAbstract_lbl" xlink:title="label: TierOneLeverageCapitalAbstract to us-gaap_TierOneLeverageCapitalAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:label="TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:title="TierOneLeverageCapitalRequiredForCapitalAdequacy" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl">For capital adequacy purpose</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xlink:title="label: TierOneLeverageCapitalRequiredForCapitalAdequacy to us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:label="TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:title="TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl">For capital adequacy purpose (in hundredths)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl">To be well-capitalized under prompt corrective action provisions</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:label="TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:title="TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl">To be well-capitalized under prompt corrective action provisions (in hundredths)</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:label="TierOneLeverageCapitalToAverageAssets" xlink:title="TierOneLeverageCapitalToAverageAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl">Actual (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneLeverageCapitalToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xlink:title="label: TierOneLeverageCapitalToAverageAssets to us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:label="TierOneRiskBasedCapital" xlink:title="TierOneRiskBasedCapital" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TierOneRiskBasedCapital_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapital_lbl">Actual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapital" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl" xlink:title="label: TierOneRiskBasedCapital to us-gaap_TierOneRiskBasedCapital_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapital_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapital_lbl1">Tier One Risk Based Capital</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapital" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl1" xlink:title="label: TierOneRiskBasedCapital to us-gaap_TierOneRiskBasedCapital_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalAbstract" xlink:label="TierOneRiskBasedCapitalAbstract" xlink:title="TierOneRiskBasedCapitalAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalAbstract_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalAbstract_lbl">Tier 1 capital to risk-weighted assets [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalAbstract" xlink:to="us-gaap_TierOneRiskBasedCapitalAbstract_lbl" xlink:title="label: TierOneRiskBasedCapitalAbstract to us-gaap_TierOneRiskBasedCapitalAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:label="TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:title="TierOneRiskBasedCapitalRequiredForCapitalAdequacy" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl">For capital adequacy purpose</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" xlink:title="label: TierOneRiskBasedCapitalRequiredForCapitalAdequacy to us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1">Tier One Risk Based Capital Required for Capital Adequacy</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1" xlink:title="label: TierOneRiskBasedCapitalRequiredForCapitalAdequacy to us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:title="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl">For capital adequacy purpose (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xlink:title="label: TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets to us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl1">Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl1" xlink:title="label: TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets to us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:title="TierOneRiskBasedCapitalRequiredToBeWellCapitalized" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl">To be well-capitalized under prompt corrective action provisions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xlink:title="label: TierOneRiskBasedCapitalRequiredToBeWellCapitalized to us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl1">Tier One Risk Based Capital Required to be Well Capitalized</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl1" xlink:title="label: TierOneRiskBasedCapitalRequiredToBeWellCapitalized to us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:title="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl">To be well-capitalized under prompt corrective action provisions (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xlink:title="label: TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets to us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1">Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" xlink:title="label: TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets to us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:title="TierOneRiskBasedCapitalToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl">Actual (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xlink:title="label: TierOneRiskBasedCapitalToRiskWeightedAssets to us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1" xml:lang="en-US" id="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1">Tier One Risk Based Capital to Risk Weighted Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1" xlink:title="label: TierOneRiskBasedCapitalToRiskWeightedAssets to us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFive" xlink:label="TimeDepositMaturitiesYearFive" xlink:title="TimeDepositMaturitiesYearFive" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearFive_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TimeDepositMaturitiesYearFive_lbl" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearFive_lbl">2017</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearFive" xlink:to="us-gaap_TimeDepositMaturitiesYearFive_lbl" xlink:title="label: TimeDepositMaturitiesYearFive to us-gaap_TimeDepositMaturitiesYearFive_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearFive_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearFive_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearFive_lbl1">Time Deposit Maturities, Year Five</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearFive" xlink:to="us-gaap_TimeDepositMaturitiesYearFive_lbl1" xlink:title="label: TimeDepositMaturitiesYearFive to us-gaap_TimeDepositMaturitiesYearFive_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDepositMaturitiesYearFour" xlink:label="TimeDepositMaturitiesYearFour" xlink:title="TimeDepositMaturitiesYearFour" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TimeDepositMaturitiesYearFour_lbl" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearFour_lbl">2016</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearFour" xlink:to="us-gaap_TimeDepositMaturitiesYearFour_lbl" xlink:title="label: TimeDepositMaturitiesYearFour to us-gaap_TimeDepositMaturitiesYearFour_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearFour_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearFour_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearFour_lbl1">Time Deposit Maturities, Year Four</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearFour" xlink:to="us-gaap_TimeDepositMaturitiesYearFour_lbl1" xlink:title="label: TimeDepositMaturitiesYearFour to us-gaap_TimeDepositMaturitiesYearFour_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDepositMaturitiesYearOne" xlink:label="TimeDepositMaturitiesYearOne" xlink:title="TimeDepositMaturitiesYearOne" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TimeDepositMaturitiesYearOne_lbl" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearOne_lbl">2013</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearOne" xlink:to="us-gaap_TimeDepositMaturitiesYearOne_lbl" xlink:title="label: TimeDepositMaturitiesYearOne to us-gaap_TimeDepositMaturitiesYearOne_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearOne_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearOne_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearOne_lbl1">Time Deposit Maturities, Year One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearOne" xlink:to="us-gaap_TimeDepositMaturitiesYearOne_lbl1" xlink:title="label: TimeDepositMaturitiesYearOne to us-gaap_TimeDepositMaturitiesYearOne_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDepositMaturitiesYearThree" xlink:label="TimeDepositMaturitiesYearThree" xlink:title="TimeDepositMaturitiesYearThree" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TimeDepositMaturitiesYearThree_lbl" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearThree_lbl">2015</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearThree" xlink:to="us-gaap_TimeDepositMaturitiesYearThree_lbl" xlink:title="label: TimeDepositMaturitiesYearThree to us-gaap_TimeDepositMaturitiesYearThree_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearThree_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearThree_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearThree_lbl1">Time Deposit Maturities, Year Three</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearThree" xlink:to="us-gaap_TimeDepositMaturitiesYearThree_lbl1" xlink:title="label: TimeDepositMaturitiesYearThree to us-gaap_TimeDepositMaturitiesYearThree_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDepositMaturitiesYearTwo" xlink:label="TimeDepositMaturitiesYearTwo" xlink:title="TimeDepositMaturitiesYearTwo" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearTwo_lbl">2014</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearTwo" xlink:to="us-gaap_TimeDepositMaturitiesYearTwo_lbl" xlink:title="label: TimeDepositMaturitiesYearTwo to us-gaap_TimeDepositMaturitiesYearTwo_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDepositMaturitiesYearTwo_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDepositMaturitiesYearTwo_lbl1" xml:lang="en-US" id="us-gaap_TimeDepositMaturitiesYearTwo_lbl1">Time Deposit Maturities, Year Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositMaturitiesYearTwo" xlink:to="us-gaap_TimeDepositMaturitiesYearTwo_lbl1" xlink:title="label: TimeDepositMaturitiesYearTwo to us-gaap_TimeDepositMaturitiesYearTwo_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Capital" xlink:label="Capital" xlink:title="Capital" />
    <link:label xlink:type="resource" xlink:label="us-gaap_Capital_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_Capital_lbl" xml:lang="en-US" id="us-gaap_Capital_lbl">Actual</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Capital" xlink:to="us-gaap_Capital_lbl" xlink:title="label: Capital to us-gaap_Capital_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_Capital_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_Capital_lbl1" xml:lang="en-US" id="us-gaap_Capital_lbl1">Capital</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Capital" xlink:to="us-gaap_Capital_lbl1" xlink:title="label: Capital to us-gaap_Capital_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalAbstract" xlink:label="CapitalAbstract" xlink:title="CapitalAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CapitalAbstract_lbl" xml:lang="en-US" id="us-gaap_CapitalAbstract_lbl">Tier 2 capital to risk-weighted asets [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalAbstract" xlink:to="us-gaap_CapitalAbstract_lbl" xlink:title="label: CapitalAbstract to us-gaap_CapitalAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:label="CapitalRequiredForCapitalAdequacy" xlink:title="CapitalRequiredForCapitalAdequacy" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US" id="us-gaap_CapitalRequiredForCapitalAdequacy_lbl">For capital adequacy purpose</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xlink:title="label: CapitalRequiredForCapitalAdequacy to us-gaap_CapitalRequiredForCapitalAdequacy_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CapitalRequiredForCapitalAdequacy_lbl1" xml:lang="en-US" id="us-gaap_CapitalRequiredForCapitalAdequacy_lbl1">Capital Required for Capital Adequacy</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacy_lbl1" xlink:title="label: CapitalRequiredForCapitalAdequacy to us-gaap_CapitalRequiredForCapitalAdequacy_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:title="CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl">For capital adequacy purpose (in hundredths)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US" id="us-gaap_CapitalRequiredToBeWellCapitalized_lbl">To be well-capitalized under prompt corrective action provisions</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:title="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl">To be well-capitalized under prompt corrective action provisions (in hundredths)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" xml:lang="en-US" id="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1">Capital Required to be Well Capitalized to Risk Weighted Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" xlink:title="label: CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets to us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:label="CapitalToRiskWeightedAssets" xlink:title="CapitalToRiskWeightedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_CapitalToRiskWeightedAssets_lbl" xml:lang="en-US" id="us-gaap_CapitalToRiskWeightedAssets_lbl">Actual (in hundredths)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CapitalToRiskWeightedAssets_lbl1" xml:lang="en-US" id="us-gaap_CapitalToRiskWeightedAssets_lbl1">Capital to Risk Weighted Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CapitalToRiskWeightedAssets" xlink:to="us-gaap_CapitalToRiskWeightedAssets_lbl1" xlink:title="label: CapitalToRiskWeightedAssets to us-gaap_CapitalToRiskWeightedAssets_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="NoninterestExpense" xlink:title="NoninterestExpense" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_NoninterestExpense_lbl" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl">Total non-interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl" xlink:title="label: NoninterestExpense to us-gaap_NoninterestExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_NoninterestExpense_lbl1" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl1">Non-interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl1" xlink:title="label: NoninterestExpense to us-gaap_NoninterestExpense_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpense_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestExpense_lbl2" xml:lang="en-US" id="us-gaap_NoninterestExpense_lbl2">Noninterest Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpense" xlink:to="us-gaap_NoninterestExpense_lbl2" xlink:title="label: NoninterestExpense to us-gaap_NoninterestExpense_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="NoninterestExpenseAbstract" xlink:title="NoninterestExpenseAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US" id="us-gaap_NoninterestExpenseAbstract_lbl">Non-interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl" xlink:title="label: NoninterestExpenseAbstract to us-gaap_NoninterestExpenseAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsAbstract" xlink:label="TransfersAndServicingOfFinancialAssetsAbstract" xlink:title="TransfersAndServicingOfFinancialAssetsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_lbl" xml:lang="en-US" id="us-gaap_TransfersAndServicingOfFinancialAssetsAbstract_lbl">Summary of mortgage servicing rights [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:label="TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:title="TransfersAndServicingOfFinancialAssetsPolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl" xml:lang="en-US" id="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl">Loan Servicing</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:to="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl" xlink:title="label: TransfersAndServicingOfFinancialAssetsPolicyTextBlock to us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl1" xml:lang="en-US" id="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl1">Transfers and Servicing of Financial Assets, Policy [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:to="us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl1" xlink:title="label: TransfersAndServicingOfFinancialAssetsPolicyTextBlock to us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_USStatesAndPoliticalSubdivisionsMember" xlink:label="USStatesAndPoliticalSubdivisionsMember" xlink:title="USStatesAndPoliticalSubdivisionsMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_USStatesAndPoliticalSubdivisionsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_USStatesAndPoliticalSubdivisionsMember_lbl" xml:lang="en-US" id="us-gaap_USStatesAndPoliticalSubdivisionsMember_lbl">US States and Political Subdivisions Debt Securities [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USStatesAndPoliticalSubdivisionsMember" xlink:to="us-gaap_USStatesAndPoliticalSubdivisionsMember_lbl" xlink:title="label: USStatesAndPoliticalSubdivisionsMember to us-gaap_USStatesAndPoliticalSubdivisionsMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_USTreasuryAndGovernmentMember" xlink:label="USTreasuryAndGovernmentMember" xlink:title="USTreasuryAndGovernmentMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_USTreasuryAndGovernmentMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_USTreasuryAndGovernmentMember_lbl" xml:lang="en-US" id="us-gaap_USTreasuryAndGovernmentMember_lbl">US Treasury and Government [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="USTreasuryAndGovernmentMember" xlink:to="us-gaap_USTreasuryAndGovernmentMember_lbl" xlink:title="label: USTreasuryAndGovernmentMember to us-gaap_USTreasuryAndGovernmentMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_UnusedLinesOfCreditMember" xlink:label="UnusedLinesOfCreditMember" xlink:title="UnusedLinesOfCreditMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_UnusedLinesOfCreditMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_UnusedLinesOfCreditMember_lbl" xml:lang="en-US" id="us-gaap_UnusedLinesOfCreditMember_lbl">Unused lines of Credit [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnusedLinesOfCreditMember" xlink:to="us-gaap_UnusedLinesOfCreditMember_lbl" xlink:title="label: UnusedLinesOfCreditMember to us-gaap_UnusedLinesOfCreditMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="WeightedAverageNumberOfDilutedSharesOutstanding" xlink:title="WeightedAverageNumberOfDilutedSharesOutstanding" />
    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl">Diluted EPS: Income available to common shareholders plus assumed conversions (in shares)</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1" xml:lang="en-US" id="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl1">Weighted Average Number of Shares Outstanding, Diluted</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl" xml:lang="en-US" id="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl">Incremental shares</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="PropertyPlantAndEquipmentDisclosureTextBlock" xlink:title="PropertyPlantAndEquipmentDisclosureTextBlock" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl1" xlink:title="label: PropertyPlantAndEquipmentDisclosureTextBlock to us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock_lbl1" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="AssetsAbstract" xlink:title="AssetsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AssetsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_AssetsAbstract_lbl" xml:lang="en-US" id="us-gaap_AssetsAbstract_lbl">Assets [Abstract]</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsAbstract" xlink:to="us-gaap_AssetsAbstract_lbl1" xlink:title="label: AssetsAbstract to us-gaap_AssetsAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AssetsAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_AssetsAbstract_lbl2" xml:lang="en-US" id="us-gaap_AssetsAbstract_lbl2">Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsAbstract" xlink:to="us-gaap_AssetsAbstract_lbl2" xlink:title="label: AssetsAbstract to us-gaap_AssetsAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementLineItems" xlink:label="StatementLineItems" xlink:title="StatementLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StatementLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StatementLineItems_lbl" xml:lang="en-US" id="us-gaap_StatementLineItems_lbl">Statement [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract" xlink:label="DefinedBenefitPlanFundedStatusOfPlanAbstract" xlink:title="DefinedBenefitPlanFundedStatusOfPlanAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract_lbl">Funded Status of Plan [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueInputsLevel1Member_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueInputsLevel1Member_lbl" xml:lang="en-US" id="us-gaap_FairValueInputsLevel1Member_lbl">Fair Value, Inputs, Level 1 [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueInputsLevel2Member" xlink:label="FairValueInputsLevel2Member" xlink:title="FairValueInputsLevel2Member" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueInputsLevel2Member_lbl" xml:lang="en-US" id="us-gaap_FairValueInputsLevel2Member_lbl">Fair Value, Inputs, Level 2 [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="FairValueInputsLevel3Member" xlink:title="FairValueInputsLevel3Member" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US" id="us-gaap_FairValueInputsLevel3Member_lbl">Fair Value, Inputs, Level 3 [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:label="FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" xlink:title="FairValueAssetsMeasuredOnNonrecurringBasisTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TransfersAndServicingAbstract" xlink:label="TransfersAndServicingAbstract" xlink:title="TransfersAndServicingAbstract" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="PreferredStockValue" xlink:title="PreferredStockValue" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:label="FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:title="FairValueOffBalanceSheetRisksDisclosureInformationLineItems" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" xml:lang="en-US" id="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl">Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueOffBalanceSheetRisksDisclosureInformationLineItems" xlink:to="us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" xlink:title="label: FairValueOffBalanceSheetRisksDisclosureInformationLineItems to us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock" xlink:label="ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock" xlink:title="ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock_lbl" xml:lang="en-US" id="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock_lbl">Schedule of finite-lived intangible assets acquired as part of business combination</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock" xlink:to="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock_lbl" xlink:title="label: ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock to us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:label="ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:title="ScheduleOfFairValueOffBalanceSheetRisksTable" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" xml:lang="en-US" id="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl">Schedule of Fair Value, Off-balance Sheet Risks [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfFairValueOffBalanceSheetRisksTable" xlink:to="us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" xlink:title="label: ScheduleOfFairValueOffBalanceSheetRisksTable to us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis" xlink:label="FairValueOffBalanceSheetRisksByFinancialInstrumentAxis" xlink:title="FairValueOffBalanceSheetRisksByFinancialInstrumentAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_lbl" xml:lang="en-US" id="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_lbl">Fair Value, Off-balance Sheet Risks by Financial Instrument [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueOffBalanceSheetRisksByFinancialInstrumentAxis" xlink:to="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_lbl" xlink:title="label: FairValueOffBalanceSheetRisksByFinancialInstrumentAxis to us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDeposits" xlink:label="TimeDeposits" xlink:title="TimeDeposits" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_TimeDeposits_lbl" xml:lang="en-US" id="us-gaap_TimeDeposits_lbl">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl" xlink:title="label: TimeDeposits to us-gaap_TimeDeposits_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDeposits_lbl1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_TimeDeposits_lbl1" xml:lang="en-US" id="us-gaap_TimeDeposits_lbl1">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl1" xlink:title="label: TimeDeposits to us-gaap_TimeDeposits_lbl1" />
    <link:label xlink:type="resource" xlink:label="us-gaap_TimeDeposits_lbl2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_TimeDeposits_lbl2" xml:lang="en-US" id="us-gaap_TimeDeposits_lbl2">Certificates of deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl2" xlink:title="label: TimeDeposits to us-gaap_TimeDeposits_lbl2" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MajorTypesOfDebtSecuritiesDomain" xlink:label="MajorTypesOfDebtSecuritiesDomain" xlink:title="MajorTypesOfDebtSecuritiesDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl" xml:lang="en-US" id="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl">Major Types of Debt Securities [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MajorTypesOfDebtSecuritiesDomain" xlink:to="us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl" xlink:title="label: MajorTypesOfDebtSecuritiesDomain to us-gaap_MajorTypesOfDebtSecuritiesDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InvestmentInFederalHomeLoanBankStockMember" xlink:label="InvestmentInFederalHomeLoanBankStockMember" xlink:title="InvestmentInFederalHomeLoanBankStockMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_InvestmentInFederalHomeLoanBankStockMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_InvestmentInFederalHomeLoanBankStockMember_lbl" xml:lang="en-US" id="us-gaap_InvestmentInFederalHomeLoanBankStockMember_lbl">Investment in Federal Home Loan Bank Stock [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInFederalHomeLoanBankStockMember" xlink:to="us-gaap_InvestmentInFederalHomeLoanBankStockMember_lbl" xlink:title="label: InvestmentInFederalHomeLoanBankStockMember to us-gaap_InvestmentInFederalHomeLoanBankStockMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="StatementEquityComponentsAxis" xlink:title="StatementEquityComponentsAxis" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StatementEquityComponentsAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StatementEquityComponentsAxis_lbl" xml:lang="en-US" id="us-gaap_StatementEquityComponentsAxis_lbl">Statement Equity Components [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StatementEquityComponentsAxis" xlink:to="us-gaap_StatementEquityComponentsAxis_lbl" xlink:title="label: StatementEquityComponentsAxis to us-gaap_StatementEquityComponentsAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="RetainedEarningsMember" xlink:title="RetainedEarningsMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_RetainedEarningsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_RetainedEarningsMember_lbl" xml:lang="en-US" id="us-gaap_RetainedEarningsMember_lbl">Retained earnings [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetainedEarningsMember" xlink:to="us-gaap_RetainedEarningsMember_lbl" xlink:title="label: RetainedEarningsMember to us-gaap_RetainedEarningsMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="AccumulatedOtherComprehensiveIncomeMember" xlink:title="AccumulatedOtherComprehensiveIncomeMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xml:lang="en-US" id="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl">Accumulated other comprehensive income (loss) [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeMember" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" xlink:title="label: AccumulatedOtherComprehensiveIncomeMember to us-gaap_AccumulatedOtherComprehensiveIncomeMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="EquityComponentDomain" xlink:title="EquityComponentDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EquityComponentDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EquityComponentDomain_lbl" xml:lang="en-US" id="us-gaap_EquityComponentDomain_lbl">Equity Component [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EquityComponentDomain" xlink:to="us-gaap_EquityComponentDomain_lbl" xlink:title="label: EquityComponentDomain to us-gaap_EquityComponentDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:label="LoansHeldForSaleFairValueDisclosure" xlink:title="LoansHeldForSaleFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xml:lang="en-US" id="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl">Loans held for sale</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansHeldForSaleFairValueDisclosure" xlink:to="us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" xlink:title="label: LoansHeldForSaleFairValueDisclosure to us-gaap_LoansHeldForSaleFairValueDisclosure_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherRealEstateAndForeclosedAssetsAbstract" xlink:label="OtherRealEstateAndForeclosedAssetsAbstract" xlink:title="OtherRealEstateAndForeclosedAssetsAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OtherRealEstateAndForeclosedAssetsAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OtherRealEstateAndForeclosedAssetsAbstract_lbl" xml:lang="en-US" id="us-gaap_OtherRealEstateAndForeclosedAssetsAbstract_lbl">Change in Allowance for Losses from Real Estate Owned [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateAndForeclosedAssetsAbstract" xlink:to="us-gaap_OtherRealEstateAndForeclosedAssetsAbstract_lbl" xlink:title="label: OtherRealEstateAndForeclosedAssetsAbstract to us-gaap_OtherRealEstateAndForeclosedAssetsAbstract_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherRealEstateAndForeclosedAssets" xlink:label="OtherRealEstateAndForeclosedAssets" xlink:title="OtherRealEstateAndForeclosedAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OtherRealEstateAndForeclosedAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OtherRealEstateAndForeclosedAssets_lbl" xml:lang="en-US" id="us-gaap_OtherRealEstateAndForeclosedAssets_lbl">Other real estate owned</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateAndForeclosedAssets" xlink:to="us-gaap_OtherRealEstateAndForeclosedAssets_lbl" xlink:title="label: OtherRealEstateAndForeclosedAssets to us-gaap_OtherRealEstateAndForeclosedAssets_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" />
    <link:label xlink:type="resource" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_lbl" xml:lang="en-US" id="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_lbl">Forfeited options, weighted average exercise price (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice to us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="StockIssuedDuringPeriodSharesNewIssues" xlink:title="StockIssuedDuringPeriodSharesNewIssues" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl">Proceeds from sale of common stock (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesNewIssues" xlink:to="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xlink:title="label: StockIssuedDuringPeriodSharesNewIssues to us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans" xlink:label="StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans" xlink:title="StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_lbl">Number of shares issued during period, employee benefit plan (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans" xlink:to="us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_lbl" xlink:title="label: StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans to us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:label="StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:title="StockIssuedDuringPeriodSharesStockOptionsExercised" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_lbl">Exercised in 2012 (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesStockOptionsExercised" xlink:to="us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_lbl" xlink:title="label: StockIssuedDuringPeriodSharesStockOptionsExercised to us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan" xlink:label="StockIssuedDuringPeriodSharesDividendReinvestmentPlan" xlink:title="StockIssuedDuringPeriodSharesDividendReinvestmentPlan" />
    <link:label xlink:type="resource" xlink:label="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl" xml:lang="en-US" id="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl">Number of shares issued during period, dividend reinvestment plan (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockIssuedDuringPeriodSharesDividendReinvestmentPlan" xlink:to="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl" xlink:title="label: StockIssuedDuringPeriodSharesDividendReinvestmentPlan to us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember" xlink:label="CommonStockIncludingAdditionalPaidInCapitalMember" xlink:title="CommonStockIncludingAdditionalPaidInCapitalMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember_lbl" xml:lang="en-US" id="us-gaap_CommonStockIncludingAdditionalPaidInCapitalMember_lbl">Common stock and additional paid-in capital [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DividendsCash" xlink:label="DividendsCash" xlink:title="DividendsCash" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DividendsCash_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DividendsCash_lbl" xml:lang="en-US" id="us-gaap_DividendsCash_lbl">Cash dividends declared</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsCash" xlink:to="us-gaap_DividendsCash_lbl" xlink:title="label: DividendsCash to us-gaap_DividendsCash_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife" xlink:label="AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife" xlink:title="AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife_lbl" xml:lang="en-US" id="us-gaap_AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife_lbl">Finite lived intangible asset, amortization (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife" xlink:to="us-gaap_AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife_lbl" xlink:title="label: AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife to us-gaap_AcquiredFiniteLivedIntangibleAssetWeightedAverageUsefulLife_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:title="AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US" id="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract_lbl">Adjustments to reconcile net income to net cash provided by operating activities:</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:label="DividendsPayableCurrentAndNoncurrent" xlink:title="DividendsPayableCurrentAndNoncurrent" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DividendsPayableCurrentAndNoncurrent_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DividendsPayableCurrentAndNoncurrent_lbl" xml:lang="en-US" id="us-gaap_DividendsPayableCurrentAndNoncurrent_lbl">Dividends payable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DividendsPayableCurrentAndNoncurrent" xlink:to="us-gaap_DividendsPayableCurrentAndNoncurrent_lbl" xlink:title="label: DividendsPayableCurrentAndNoncurrent to us-gaap_DividendsPayableCurrentAndNoncurrent_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities" xlink:label="DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities" xlink:title="DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl">Accrued pension liability</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities" xlink:to="us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl" xlink:title="label: DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities to us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:title="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_lbl" xml:lang="en-US" id="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_lbl">Equity compensation expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_lbl" xlink:title="label: AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue to us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EquitySecuritiesOtherMember" xlink:label="EquitySecuritiesOtherMember" xlink:title="EquitySecuritiesOtherMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_EquitySecuritiesOtherMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_EquitySecuritiesOtherMember_lbl" xml:lang="en-US" id="us-gaap_EquitySecuritiesOtherMember_lbl">Other Equity Securities [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EquitySecuritiesOtherMember" xlink:to="us-gaap_EquitySecuritiesOtherMember_lbl" xlink:title="label: EquitySecuritiesOtherMember to us-gaap_EquitySecuritiesOtherMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AssetsFairValueDisclosure" xlink:label="AssetsFairValueDisclosure" xlink:title="AssetsFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AssetsFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_AssetsFairValueDisclosure_lbl" xml:lang="en-US" id="us-gaap_AssetsFairValueDisclosure_lbl">Total assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssetsFairValueDisclosure" xlink:to="us-gaap_AssetsFairValueDisclosure_lbl" xlink:title="label: AssetsFairValueDisclosure to us-gaap_AssetsFairValueDisclosure_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FutureAmortizationExpenseAfterYearFive" xlink:label="FutureAmortizationExpenseAfterYearFive" xlink:title="FutureAmortizationExpenseAfterYearFive" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FutureAmortizationExpenseAfterYearFive_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FutureAmortizationExpenseAfterYearFive_lbl" xml:lang="en-US" id="us-gaap_FutureAmortizationExpenseAfterYearFive_lbl">Thereafter</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FutureAmortizationExpenseAfterYearFive" xlink:to="us-gaap_FutureAmortizationExpenseAfterYearFive_lbl" xlink:title="label: FutureAmortizationExpenseAfterYearFive to us-gaap_FutureAmortizationExpenseAfterYearFive_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssetsMiscellaneous" xlink:label="OtherAssetsMiscellaneous" xlink:title="OtherAssetsMiscellaneous" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OtherAssetsMiscellaneous_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_OtherAssetsMiscellaneous_lbl" xml:lang="en-US" id="us-gaap_OtherAssetsMiscellaneous_lbl">Other assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssetsMiscellaneous" xlink:to="us-gaap_OtherAssetsMiscellaneous_lbl" xlink:title="label: OtherAssetsMiscellaneous to us-gaap_OtherAssetsMiscellaneous_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OtherAssetsMiscellaneous_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OtherAssetsMiscellaneous_lbl1" xml:lang="en-US" id="us-gaap_OtherAssetsMiscellaneous_lbl1">Other Assets, Miscellaneous</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssetsMiscellaneous" xlink:to="us-gaap_OtherAssetsMiscellaneous_lbl1" xlink:title="label: OtherAssetsMiscellaneous to us-gaap_OtherAssetsMiscellaneous_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear" xlink:label="DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear" xlink:title="DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl">Estimated plan expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear" xlink:to="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl" xlink:title="label: DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear to us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl1" xml:lang="en-US" id="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl1">Defined Benefit Plan, Estimated Future Employer Contributions in Current Fiscal Year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear" xlink:to="us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl1" xlink:title="label: DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear to us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueMeasurementFrequencyDomain" xlink:label="FairValueMeasurementFrequencyDomain" xlink:title="FairValueMeasurementFrequencyDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementFrequencyDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementFrequencyDomain_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementFrequencyDomain_lbl">Fair Value, Measurement Frequency [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementFrequencyDomain" xlink:to="us-gaap_FairValueMeasurementFrequencyDomain_lbl" xlink:title="label: FairValueMeasurementFrequencyDomain to us-gaap_FairValueMeasurementFrequencyDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:label="FairValueMeasurementsFairValueHierarchyDomain" xlink:title="FairValueMeasurementsFairValueHierarchyDomain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl">Fair Value, Measurements, Fair Value Hierarchy [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementsFairValueHierarchyDomain" xlink:to="us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl" xlink:title="label: FairValueMeasurementsFairValueHierarchyDomain to us-gaap_FairValueMeasurementsFairValueHierarchyDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssets" xlink:label="OtherAssets" xlink:title="OtherAssets" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OtherAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_OtherAssets_lbl" xml:lang="en-US" id="us-gaap_OtherAssets_lbl">Other assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssets" xlink:to="us-gaap_OtherAssets_lbl" xlink:title="label: OtherAssets to us-gaap_OtherAssets_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_OtherAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_OtherAssets_lbl1" xml:lang="en-US" id="us-gaap_OtherAssets_lbl1">Other assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherAssets" xlink:to="us-gaap_OtherAssets_lbl1" xlink:title="label: OtherAssets to us-gaap_OtherAssets_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueMeasurementsRecurringMember" xlink:label="FairValueMeasurementsRecurringMember" xlink:title="FairValueMeasurementsRecurringMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementsRecurringMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementsRecurringMember_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementsRecurringMember_lbl">Fair Value, Measurements, Recurring [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementsRecurringMember" xlink:to="us-gaap_FairValueMeasurementsRecurringMember_lbl" xlink:title="label: FairValueMeasurementsRecurringMember to us-gaap_FairValueMeasurementsRecurringMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueMeasurementsNonrecurringMember" xlink:label="FairValueMeasurementsNonrecurringMember" xlink:title="FairValueMeasurementsNonrecurringMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FairValueMeasurementsNonrecurringMember_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FairValueMeasurementsNonrecurringMember_lbl" xml:lang="en-US" id="us-gaap_FairValueMeasurementsNonrecurringMember_lbl">Fair Value, Measurements, Nonrecurring [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FairValueMeasurementsNonrecurringMember" xlink:to="us-gaap_FairValueMeasurementsNonrecurringMember_lbl" xlink:title="label: FairValueMeasurementsNonrecurringMember to us-gaap_FairValueMeasurementsNonrecurringMember_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:label="AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:title="AvailableforsaleSecuritiesGrossUnrealizedGain" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl" xml:lang="en-US" id="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl">Unrealized Gains</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:to="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl" xlink:title="label: AvailableforsaleSecuritiesGrossUnrealizedGain to us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl1" xml:lang="en-US" id="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl1">Available-for-sale Securities, Gross Unrealized Gains</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AvailableforsaleSecuritiesGrossUnrealizedGain" xlink:to="us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl1" xlink:title="label: AvailableforsaleSecuritiesGrossUnrealizedGain to us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain_lbl1" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommercialRealEstateConstructionFinancingReceivableMember" xlink:label="CommercialRealEstateConstructionFinancingReceivableMember" xlink:title="CommercialRealEstateConstructionFinancingReceivableMember" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl" xml:lang="en-US" id="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl">Commercial Construction [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialRealEstateConstructionFinancingReceivableMember" xlink:to="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl" xlink:title="label: CommercialRealEstateConstructionFinancingReceivableMember to us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl" />
    <link:label xlink:type="resource" xlink:label="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl1" xml:lang="en-US" id="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl1">Commercial Real Estate Construction Financing Receivable [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialRealEstateConstructionFinancingReceivableMember" xlink:to="us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl1" xlink:title="label: CommercialRealEstateConstructionFinancingReceivableMember to us-gaap_CommercialRealEstateConstructionFinancingReceivableMember_lbl1" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommercialRealEstateOtherReceivableMember_lbl" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="us-gaap_CommercialRealEstateOtherReceivableMember_lbl" xml:lang="en-US" id="us-gaap_CommercialRealEstateOtherReceivableMember_lbl">Commercial Real Estate Receivable [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_CommercialRealEstatePortfolioSegmentMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_CommercialRealEstatePortfolioSegmentMember_lbl1" xml:lang="en-US" id="us-gaap_CommercialRealEstatePortfolioSegmentMember_lbl1">Commercial Real Estate Portfolio Segment [Member]</link:label>
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    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl" xml:lang="en-US" id="us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_lbl">Financing Receivable, Allowance for Credit Losses [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableModificationsNumberOfContracts" xlink:label="FinancingReceivableModificationsNumberOfContracts" xlink:title="FinancingReceivableModificationsNumberOfContracts" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="FinancingReceivableModificationsRecordedInvestment" xlink:title="FinancingReceivableModificationsRecordedInvestment" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:label="FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:title="FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl">Financing Receivable, Recorded Investment, Class of Financing Receivable [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" xlink:title="label: FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain to us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract" xlink:label="FinancingReceivableRecordedInvestmentAgingAbstract" xlink:title="FinancingReceivableRecordedInvestmentAgingAbstract" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract_lbl">Loans, aging disclosure [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentCurrent" xlink:label="FinancingReceivableRecordedInvestmentCurrent" xlink:title="FinancingReceivableRecordedInvestmentCurrent" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl1" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentCurrent_lbl1">Financing Receivable, Recorded Investment, Current</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:label="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" xlink:title="FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentPastDue" xlink:label="FinancingReceivableRecordedInvestmentPastDue" xlink:title="FinancingReceivableRecordedInvestmentPastDue" />
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    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl1" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestmentPastDue_lbl1">Financing Receivable, Recorded Investment, Past Due</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:label="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:title="FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" />
    <link:label xlink:type="resource" xlink:label="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl" xml:lang="en-US" id="us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_lbl">90 Plus Days And Accruing</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross" xlink:label="DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross" xlink:title="DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1" xlink:label="AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1" xlink:title="AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:title="InvestmentsClassifiedByContractualMaturityDateTableTextBlock" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:label="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:title="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" />
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag_lbl" xml:lang="en-US" id="dei_AmendmentFlag_lbl">Amendment Flag</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="CurrentFiscalYearEndDate" xlink:title="CurrentFiscalYearEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US" id="dei_CurrentFiscalYearEndDate_lbl">Current Fiscal Year End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:title="label: CurrentFiscalYearEndDate to dei_CurrentFiscalYearEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityDomain" xlink:label="EntityDomain" xlink:title="EntityDomain" />
    <link:label xlink:type="resource" xlink:label="dei_EntityDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityDomain_lbl" xml:lang="en-US" id="dei_EntityDomain_lbl">Entity [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityDomain" xlink:to="dei_EntityDomain_lbl" xlink:title="label: EntityDomain to dei_EntityDomain_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="EntityWellKnownSeasonedIssuer" xlink:title="EntityWellKnownSeasonedIssuer" />
    <link:label xlink:type="resource" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US" id="dei_EntityWellKnownSeasonedIssuer_lbl">Entity Well-known Seasoned Issuer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:title="label: EntityWellKnownSeasonedIssuer to dei_EntityWellKnownSeasonedIssuer_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="EntityVoluntaryFilers" xlink:title="EntityVoluntaryFilers" />
    <link:label xlink:type="resource" xlink:label="dei_EntityVoluntaryFilers_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US" id="dei_EntityVoluntaryFilers_lbl">Entity Voluntary Filers</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:title="label: EntityVoluntaryFilers to dei_EntityVoluntaryFilers_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="EntityCurrentReportingStatus" xlink:title="EntityCurrentReportingStatus" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCurrentReportingStatus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US" id="dei_EntityCurrentReportingStatus_lbl">Entity Current Reporting Status</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityFilerCategory" xlink:label="EntityFilerCategory" xlink:title="EntityFilerCategory" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFilerCategory_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFilerCategory_lbl" xml:lang="en-US" id="dei_EntityFilerCategory_lbl">Entity Filer Category</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:title="label: EntityFilerCategory to dei_EntityFilerCategory_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityPublicFloat" xlink:label="EntityPublicFloat" xlink:title="EntityPublicFloat" />
    <link:label xlink:type="resource" xlink:label="dei_EntityPublicFloat_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityPublicFloat_lbl" xml:lang="en-US" id="dei_EntityPublicFloat_lbl">Entity Public Float</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:title="label: EntityPublicFloat to dei_EntityPublicFloat_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName_lbl" xml:lang="en-US" id="dei_EntityRegistrantName_lbl">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="EntityCommonStockSharesOutstanding" xlink:title="EntityCommonStockSharesOutstanding" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCommonStockSharesOutstanding_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCommonStockSharesOutstanding_lbl" xml:lang="en-US" id="dei_EntityCommonStockSharesOutstanding_lbl">Entity Common Stock, Shares Outstanding</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCommonStockSharesOutstanding" xlink:to="dei_EntityCommonStockSharesOutstanding_lbl" xlink:title="label: EntityCommonStockSharesOutstanding to dei_EntityCommonStockSharesOutstanding_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalYearFocus_lbl">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_LegalEntityAxis" xlink:label="LegalEntityAxis" xlink:title="LegalEntityAxis" />
    <link:label xlink:type="resource" xlink:label="dei_LegalEntityAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LegalEntityAxis_lbl" xml:lang="en-US" id="dei_LegalEntityAxis_lbl">Legal Entity [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LegalEntityAxis" xlink:to="dei_LegalEntityAxis_lbl" xlink:title="label: LegalEntityAxis to dei_LegalEntityAxis_lbl" />
    <link:loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentType" xlink:label="DocumentType" xlink:title="DocumentType" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentType_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentType_lbl" xml:lang="en-US" id="dei_DocumentType_lbl">Document Type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentType" xlink:to="dei_DocumentType_lbl" xlink:title="label: DocumentType to dei_DocumentType_lbl" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RestrictedEquitySecuritiesAtCost" xlink:label="RestrictedEquitySecuritiesAtCost" xlink:title="RestrictedEquitySecuritiesAtCost" />
    <link:label xlink:type="resource" xlink:label="fnlc_RestrictedEquitySecuritiesAtCost_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RestrictedEquitySecuritiesAtCost_lbl" xml:lang="en-US" id="fnlc_RestrictedEquitySecuritiesAtCost_lbl">Amount of stock held at Federal Home Loan Bank and Federal Reserve Bank. Federal Home Loan Bank (FHLB) stock and Federal Reserve Bank Stock represents an equity interest in a FHLB of FRB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedEquitySecuritiesAtCost" xlink:to="fnlc_RestrictedEquitySecuritiesAtCost_lbl" xlink:title="label: RestrictedEquitySecuritiesAtCost to fnlc_RestrictedEquitySecuritiesAtCost_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_RestrictedEquitySecuritiesAtCost_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_RestrictedEquitySecuritiesAtCost_lbl1" xml:lang="en-US" id="fnlc_RestrictedEquitySecuritiesAtCost_lbl1">Restricted equity securities, at cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedEquitySecuritiesAtCost" xlink:to="fnlc_RestrictedEquitySecuritiesAtCost_lbl1" xlink:title="label: RestrictedEquitySecuritiesAtCost to fnlc_RestrictedEquitySecuritiesAtCost_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BookValuePerCommonShare" xlink:label="BookValuePerCommonShare" xlink:title="BookValuePerCommonShare" />
    <link:label xlink:type="resource" xlink:label="fnlc_BookValuePerCommonShare_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BookValuePerCommonShare_lbl" xml:lang="en-US" id="fnlc_BookValuePerCommonShare_lbl">Book value of common stock per share.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BookValuePerCommonShare" xlink:to="fnlc_BookValuePerCommonShare_lbl" xlink:title="label: BookValuePerCommonShare to fnlc_BookValuePerCommonShare_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BookValuePerCommonShare_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BookValuePerCommonShare_lbl1" xml:lang="en-US" id="fnlc_BookValuePerCommonShare_lbl1">Book value per common share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BookValuePerCommonShare" xlink:to="fnlc_BookValuePerCommonShare_lbl1" xlink:title="label: BookValuePerCommonShare to fnlc_BookValuePerCommonShare_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_BookValuePerCommonShare_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_BookValuePerCommonShare_lbl2" xml:lang="en-US" id="fnlc_BookValuePerCommonShare_lbl2">Book value per common share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BookValuePerCommonShare" xlink:to="fnlc_BookValuePerCommonShare_lbl2" xlink:title="label: BookValuePerCommonShare to fnlc_BookValuePerCommonShare_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TangibleBookValuePerCommonShare" xlink:label="TangibleBookValuePerCommonShare" xlink:title="TangibleBookValuePerCommonShare" />
    <link:label xlink:type="resource" xlink:label="fnlc_TangibleBookValuePerCommonShare_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TangibleBookValuePerCommonShare_lbl" xml:lang="en-US" id="fnlc_TangibleBookValuePerCommonShare_lbl">Tangible book value of common stock per share.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TangibleBookValuePerCommonShare" xlink:to="fnlc_TangibleBookValuePerCommonShare_lbl" xlink:title="label: TangibleBookValuePerCommonShare to fnlc_TangibleBookValuePerCommonShare_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TangibleBookValuePerCommonShare_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TangibleBookValuePerCommonShare_lbl1" xml:lang="en-US" id="fnlc_TangibleBookValuePerCommonShare_lbl1">Tangible book value per common share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TangibleBookValuePerCommonShare" xlink:to="fnlc_TangibleBookValuePerCommonShare_lbl1" xlink:title="label: TangibleBookValuePerCommonShare to fnlc_TangibleBookValuePerCommonShare_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_TangibleBookValuePerCommonShare_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_TangibleBookValuePerCommonShare_lbl2" xml:lang="en-US" id="fnlc_TangibleBookValuePerCommonShare_lbl2">Tangible book value per common share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TangibleBookValuePerCommonShare" xlink:to="fnlc_TangibleBookValuePerCommonShare_lbl2" xlink:title="label: TangibleBookValuePerCommonShare to fnlc_TangibleBookValuePerCommonShare_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DocumentAndEntityInformationAbstract" xlink:label="DocumentAndEntityInformationAbstract" xlink:title="DocumentAndEntityInformationAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_DocumentAndEntityInformationAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DocumentAndEntityInformationAbstract_lbl1" xml:lang="en-US" id="fnlc_DocumentAndEntityInformationAbstract_lbl1">Document and Entity Information [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentAndEntityInformationAbstract" xlink:to="fnlc_DocumentAndEntityInformationAbstract_lbl1" xlink:title="label: DocumentAndEntityInformationAbstract to fnlc_DocumentAndEntityInformationAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_InterestIncomeAndFeesOnLoansTaxExempt" xlink:label="InterestIncomeAndFeesOnLoansTaxExempt" xlink:title="InterestIncomeAndFeesOnLoansTaxExempt" />
    <link:label xlink:type="resource" xlink:label="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl" xml:lang="en-US" id="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl">Interest income and fees derived from loans which are exempt from federal income taxes.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeAndFeesOnLoansTaxExempt" xlink:to="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl" xlink:title="label: InterestIncomeAndFeesOnLoansTaxExempt to fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl1" xml:lang="en-US" id="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl1">Interest Income And Fees On Loans Tax Exempt</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeAndFeesOnLoansTaxExempt" xlink:to="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl1" xlink:title="label: InterestIncomeAndFeesOnLoansTaxExempt to fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl2" xml:lang="en-US" id="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl2">Interest and fees on loans (tax-exempt income)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestIncomeAndFeesOnLoansTaxExempt" xlink:to="fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl2" xlink:title="label: InterestIncomeAndFeesOnLoansTaxExempt to fnlc_InterestIncomeAndFeesOnLoansTaxExempt_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RelatedLoanBalancesAbstract" xlink:label="RelatedLoanBalancesAbstract" xlink:title="RelatedLoanBalancesAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedLoanBalancesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_RelatedLoanBalancesAbstract_lbl1" xml:lang="en-US" id="fnlc_RelatedLoanBalancesAbstract_lbl1">Related loan balances: [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedLoanBalancesAbstract" xlink:to="fnlc_RelatedLoanBalancesAbstract_lbl1" xlink:title="label: RelatedLoanBalancesAbstract to fnlc_RelatedLoanBalancesAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedLoanBalancesAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_RelatedLoanBalancesAbstract_lbl2" xml:lang="en-US" id="fnlc_RelatedLoanBalancesAbstract_lbl2">Related loan balances</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedLoanBalancesAbstract" xlink:to="fnlc_RelatedLoanBalancesAbstract_lbl2" xlink:title="label: RelatedLoanBalancesAbstract to fnlc_RelatedLoanBalancesAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_UnrealizedGainOnSecuritiesAvailableForSale" xlink:label="UnrealizedGainOnSecuritiesAvailableForSale" xlink:title="UnrealizedGainOnSecuritiesAvailableForSale" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl" xml:lang="en-US" id="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl">Unrealized gain on securities available for sale.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrealizedGainOnSecuritiesAvailableForSale" xlink:to="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl" xlink:title="label: UnrealizedGainOnSecuritiesAvailableForSale to fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl1" xml:lang="en-US" id="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl1">Unrealized gain on securities available for sale</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrealizedGainOnSecuritiesAvailableForSale" xlink:to="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl1" xlink:title="label: UnrealizedGainOnSecuritiesAvailableForSale to fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl2" xml:lang="en-US" id="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl2">Unrealized gain (loss) on securities available for sale</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrealizedGainOnSecuritiesAvailableForSale" xlink:to="fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl2" xlink:title="label: UnrealizedGainOnSecuritiesAvailableForSale to fnlc_UnrealizedGainOnSecuritiesAvailableForSale_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" xlink:label="AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" xlink:title="AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl" xml:lang="en-US" id="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl">Tax effects of the increase (decrease) to accumulated comprehensive income during the period related to benefit plans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" xlink:to="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl" xlink:title="label: AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit to fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl1" xml:lang="en-US" id="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl1">Accumulated Other Comprehensive Income Defined Benefit Plans Tax, Deferred tax benefit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" xlink:to="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl1" xlink:title="label: AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit to fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl2" xml:lang="en-US" id="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl2">Deferred tax benefit at 35%</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit" xlink:to="fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl2" xlink:title="label: AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit to fnlc_AccumulatedOtherComprehensiveIncomeDefinedBenefitPlansTaxDeferredTaxBenefit_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RelatedTaxExpenseBenefit" xlink:label="RelatedTaxExpenseBenefit" xlink:title="RelatedTaxExpenseBenefit" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedTaxExpenseBenefit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RelatedTaxExpenseBenefit_lbl" xml:lang="en-US" id="fnlc_RelatedTaxExpenseBenefit_lbl">Tax expense related to unrealized gain (loss) on securities available for sale.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedTaxExpenseBenefit" xlink:to="fnlc_RelatedTaxExpenseBenefit_lbl" xlink:title="label: RelatedTaxExpenseBenefit to fnlc_RelatedTaxExpenseBenefit_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedTaxExpenseBenefit_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_RelatedTaxExpenseBenefit_lbl1" xml:lang="en-US" id="fnlc_RelatedTaxExpenseBenefit_lbl1">Related tax expense (benefit)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedTaxExpenseBenefit" xlink:to="fnlc_RelatedTaxExpenseBenefit_lbl1" xlink:title="label: RelatedTaxExpenseBenefit to fnlc_RelatedTaxExpenseBenefit_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RelatedTaxExpenseBenefit-Postretirement" xlink:label="RelatedTaxExpenseBenefit-Postretirement" xlink:title="RelatedTaxExpenseBenefit-Postretirement" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl" xml:lang="en-US" id="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl">Tax expense related to postretirement benefits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedTaxExpenseBenefit-Postretirement" xlink:to="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl" xlink:title="label: RelatedTaxExpenseBenefit-Postretirement to fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl1" xml:lang="en-US" id="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl1">Related tax expense (benefit) - postretirement</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedTaxExpenseBenefit-Postretirement" xlink:to="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl1" xlink:title="label: RelatedTaxExpenseBenefit-Postretirement to fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl2" xml:lang="en-US" id="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl2">Related tax expense (benefit)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedTaxExpenseBenefit-Postretirement" xlink:to="fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl2" xlink:title="label: RelatedTaxExpenseBenefit-Postretirement to fnlc_RelatedTaxExpenseBenefit-Postretirement_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_UnrecognizedPostretirementBenefits" xlink:label="UnrecognizedPostretirementBenefits" xlink:title="UnrecognizedPostretirementBenefits" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnrecognizedPostretirementBenefits_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_UnrecognizedPostretirementBenefits_lbl" xml:lang="en-US" id="fnlc_UnrecognizedPostretirementBenefits_lbl">Postretirement benefits before tax.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrecognizedPostretirementBenefits" xlink:to="fnlc_UnrecognizedPostretirementBenefits_lbl" xlink:title="label: UnrecognizedPostretirementBenefits to fnlc_UnrecognizedPostretirementBenefits_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnrecognizedPostretirementBenefits_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_UnrecognizedPostretirementBenefits_lbl1" xml:lang="en-US" id="fnlc_UnrecognizedPostretirementBenefits_lbl1">Unrecognized postretirement benefits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrecognizedPostretirementBenefits" xlink:to="fnlc_UnrecognizedPostretirementBenefits_lbl1" xlink:title="label: UnrecognizedPostretirementBenefits to fnlc_UnrecognizedPostretirementBenefits_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Interest-InterestBearingDepositsInOtherBanks" xlink:label="Interest-InterestBearingDepositsInOtherBanks" xlink:title="Interest-InterestBearingDepositsInOtherBanks" />
    <link:label xlink:type="resource" xlink:label="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl" xml:lang="en-US" id="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl">The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Interest-InterestBearingDepositsInOtherBanks" xlink:to="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl" xlink:title="label: Interest-InterestBearingDepositsInOtherBanks to fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl1" xml:lang="en-US" id="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl1">Interest-bearing deposits in other banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Interest-InterestBearingDepositsInOtherBanks" xlink:to="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl1" xlink:title="label: Interest-InterestBearingDepositsInOtherBanks to fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl2" xml:lang="en-US" id="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl2">Net increase (decrease) in interest-bearing deposits in other banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Interest-InterestBearingDepositsInOtherBanks" xlink:to="fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl2" xlink:title="label: Interest-InterestBearingDepositsInOtherBanks to fnlc_Interest-InterestBearingDepositsInOtherBanks_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RedemptionOfRestrictedEquitySecurities" xlink:label="RedemptionOfRestrictedEquitySecurities" xlink:title="RedemptionOfRestrictedEquitySecurities" />
    <link:label xlink:type="resource" xlink:label="fnlc_RedemptionOfRestrictedEquitySecurities_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RedemptionOfRestrictedEquitySecurities_lbl" xml:lang="en-US" id="fnlc_RedemptionOfRestrictedEquitySecurities_lbl">Redemption of stock held at Federal Home Loan Bank of Federal Reserve Bank. Federal Home Loan Bank (FHLB) stock and Federal Reserve Bank Stock represents an equity interest in a FHLB of FRB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RedemptionOfRestrictedEquitySecurities" xlink:to="fnlc_RedemptionOfRestrictedEquitySecurities_lbl" xlink:title="label: RedemptionOfRestrictedEquitySecurities to fnlc_RedemptionOfRestrictedEquitySecurities_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_RedemptionOfRestrictedEquitySecurities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_RedemptionOfRestrictedEquitySecurities_lbl1" xml:lang="en-US" id="fnlc_RedemptionOfRestrictedEquitySecurities_lbl1">Redemption of restricted equity securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RedemptionOfRestrictedEquitySecurities" xlink:to="fnlc_RedemptionOfRestrictedEquitySecurities_lbl1" xlink:title="label: RedemptionOfRestrictedEquitySecurities to fnlc_RedemptionOfRestrictedEquitySecurities_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ProceedsFromSaleOfEquipment" xlink:label="ProceedsFromSaleOfEquipment" xlink:title="ProceedsFromSaleOfEquipment" />
    <link:label xlink:type="resource" xlink:label="fnlc_ProceedsFromSaleOfEquipment_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ProceedsFromSaleOfEquipment_lbl" xml:lang="en-US" id="fnlc_ProceedsFromSaleOfEquipment_lbl">Proceeds from the sale of equipment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProceedsFromSaleOfEquipment" xlink:to="fnlc_ProceedsFromSaleOfEquipment_lbl" xlink:title="label: ProceedsFromSaleOfEquipment to fnlc_ProceedsFromSaleOfEquipment_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ProceedsFromSaleOfEquipment_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ProceedsFromSaleOfEquipment_lbl1" xml:lang="en-US" id="fnlc_ProceedsFromSaleOfEquipment_lbl1">Proceeds from sale of equipment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProceedsFromSaleOfEquipment" xlink:to="fnlc_ProceedsFromSaleOfEquipment_lbl1" xlink:title="label: ProceedsFromSaleOfEquipment to fnlc_ProceedsFromSaleOfEquipment_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ProceedsFromSaleOfEquipment_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_ProceedsFromSaleOfEquipment_lbl2" xml:lang="en-US" id="fnlc_ProceedsFromSaleOfEquipment_lbl2">Proceeds from sale of premises and equipment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProceedsFromSaleOfEquipment" xlink:to="fnlc_ProceedsFromSaleOfEquipment_lbl2" xlink:title="label: ProceedsFromSaleOfEquipment to fnlc_ProceedsFromSaleOfEquipment_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions" xlink:label="CashAcquiredNetOfCashPaidInBranchAcquisitions" xlink:title="CashAcquiredNetOfCashPaidInBranchAcquisitions" />
    <link:label xlink:type="resource" xlink:label="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl" xml:lang="en-US" id="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl">The amount of cash acquired, net of cash paid, in branch acquisitions.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAcquiredNetOfCashPaidInBranchAcquisitions" xlink:to="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl" xlink:title="label: CashAcquiredNetOfCashPaidInBranchAcquisitions to fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl1" xml:lang="en-US" id="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl1">Cash acquired, net of cash paid, in branch acquisitions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CashAcquiredNetOfCashPaidInBranchAcquisitions" xlink:to="fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl1" xlink:title="label: CashAcquiredNetOfCashPaidInBranchAcquisitions to fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NotesToFinancialStatementsAbstract" xlink:label="NotesToFinancialStatementsAbstract" xlink:title="NotesToFinancialStatementsAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_NotesToFinancialStatementsAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NotesToFinancialStatementsAbstract_lbl1" xml:lang="en-US" id="fnlc_NotesToFinancialStatementsAbstract_lbl1">Notes to Financial Statements [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesToFinancialStatementsAbstract" xlink:to="fnlc_NotesToFinancialStatementsAbstract_lbl1" xlink:title="label: NotesToFinancialStatementsAbstract to fnlc_NotesToFinancialStatementsAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TroubledDebtRestructuredTextBlock" xlink:label="TroubledDebtRestructuredTextBlock" xlink:title="TroubledDebtRestructuredTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_TroubledDebtRestructuredTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TroubledDebtRestructuredTextBlock_lbl" xml:lang="en-US" id="fnlc_TroubledDebtRestructuredTextBlock_lbl">Disclosure of accounting policy for determining the reporting status of a loan as troubled debt restructured.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtRestructuredTextBlock" xlink:to="fnlc_TroubledDebtRestructuredTextBlock_lbl" xlink:title="label: TroubledDebtRestructuredTextBlock to fnlc_TroubledDebtRestructuredTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TroubledDebtRestructuredTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TroubledDebtRestructuredTextBlock_lbl1" xml:lang="en-US" id="fnlc_TroubledDebtRestructuredTextBlock_lbl1">Troubled Debt Restructured [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtRestructuredTextBlock" xlink:to="fnlc_TroubledDebtRestructuredTextBlock_lbl1" xlink:title="label: TroubledDebtRestructuredTextBlock to fnlc_TroubledDebtRestructuredTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock" xlink:label="AccrualOfInterestIncomeAndExpensePolicyTextBlock" xlink:title="AccrualOfInterestIncomeAndExpensePolicyTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl" xml:lang="en-US" id="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl">Disclosure of accounting policy for recognizing interest income and expense, including the method of accrual of income and expense on loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccrualOfInterestIncomeAndExpensePolicyTextBlock" xlink:to="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl" xlink:title="label: AccrualOfInterestIncomeAndExpensePolicyTextBlock to fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl1" xml:lang="en-US" id="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl1">Accrual of Interest Income and Expense [Policy Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccrualOfInterestIncomeAndExpensePolicyTextBlock" xlink:to="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl1" xlink:title="label: AccrualOfInterestIncomeAndExpensePolicyTextBlock to fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl2" xml:lang="en-US" id="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl2">Accrual of Interest Income and Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccrualOfInterestIncomeAndExpensePolicyTextBlock" xlink:to="fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl2" xlink:title="label: AccrualOfInterestIncomeAndExpensePolicyTextBlock to fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ComprehensiveIncomeTextBlock" xlink:label="ComprehensiveIncomeTextBlock" xlink:title="ComprehensiveIncomeTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComprehensiveIncomeTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ComprehensiveIncomeTextBlock_lbl" xml:lang="en-US" id="fnlc_ComprehensiveIncomeTextBlock_lbl">Policy definition for Comprehensive Income.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComprehensiveIncomeTextBlock" xlink:to="fnlc_ComprehensiveIncomeTextBlock_lbl" xlink:title="label: ComprehensiveIncomeTextBlock to fnlc_ComprehensiveIncomeTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComprehensiveIncomeTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ComprehensiveIncomeTextBlock_lbl1" xml:lang="en-US" id="fnlc_ComprehensiveIncomeTextBlock_lbl1">Comprehensive Income [Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComprehensiveIncomeTextBlock" xlink:to="fnlc_ComprehensiveIncomeTextBlock_lbl1" xlink:title="label: ComprehensiveIncomeTextBlock to fnlc_ComprehensiveIncomeTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock" xlink:label="ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock" xlink:title="ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl">Tabular presentation of available for sale securities, held-to-maturity securities and restricted equity securities as of the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock" xlink:to="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl" xlink:title="label: ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock to fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl1">Schedule of Available For Sale Held to Maturity and Restricted Equity Securities [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock" xlink:to="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl1" xlink:title="label: ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock to fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl2">Schedule of Available For Sale, Held-to-Maturity, and Restricted Equity Securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock" xlink:to="fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl2" xlink:title="label: ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock to fnlc_ScheduleOfAvailableForSaleHeldToMaturityAndNonMarketableSecuritiesTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" xlink:label="ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" xlink:title="ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl" xml:lang="en-US" id="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl">Dollar amount of principal outstanding on loans being serviced for others at the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" xlink:to="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl" xlink:title="label: ResidentialMortgageLoansServicedForOthersOutstandingPrincipal to fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl1" xml:lang="en-US" id="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl1">Residential Mortgage Loans Serviced For Others Outstanding Principal</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" xlink:to="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl1" xlink:title="label: ResidentialMortgageLoansServicedForOthersOutstandingPrincipal to fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl2" xml:lang="en-US" id="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl2">Outstanding principal balance of loans serviced for others</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialMortgageLoansServicedForOthersOutstandingPrincipal" xlink:to="fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl2" xlink:title="label: ResidentialMortgageLoansServicedForOthersOutstandingPrincipal to fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NetGainFromSaleOfLoans" xlink:label="NetGainFromSaleOfLoans" xlink:title="NetGainFromSaleOfLoans" />
    <link:label xlink:type="resource" xlink:label="fnlc_NetGainFromSaleOfLoans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NetGainFromSaleOfLoans_lbl" xml:lang="en-US" id="fnlc_NetGainFromSaleOfLoans_lbl">Net gain from the sale of loans held for sale.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetGainFromSaleOfLoans" xlink:to="fnlc_NetGainFromSaleOfLoans_lbl" xlink:title="label: NetGainFromSaleOfLoans to fnlc_NetGainFromSaleOfLoans_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NetGainFromSaleOfLoans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NetGainFromSaleOfLoans_lbl1" xml:lang="en-US" id="fnlc_NetGainFromSaleOfLoans_lbl1">Net gain from sale of loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetGainFromSaleOfLoans" xlink:to="fnlc_NetGainFromSaleOfLoans_lbl1" xlink:title="label: NetGainFromSaleOfLoans to fnlc_NetGainFromSaleOfLoans_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NetGainFromSaleOfLoans_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NetGainFromSaleOfLoans_lbl2" xml:lang="en-US" id="fnlc_NetGainFromSaleOfLoans_lbl2">Net gain from sale of loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetGainFromSaleOfLoans" xlink:to="fnlc_NetGainFromSaleOfLoans_lbl2" xlink:title="label: NetGainFromSaleOfLoans to fnlc_NetGainFromSaleOfLoans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MortgageServicingRightsGross" xlink:label="MortgageServicingRightsGross" xlink:title="MortgageServicingRightsGross" />
    <link:label xlink:type="resource" xlink:label="fnlc_MortgageServicingRightsGross_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_MortgageServicingRightsGross_lbl" xml:lang="en-US" id="fnlc_MortgageServicingRightsGross_lbl">Gross amount, as of the balance sheet date, of mortgage servicing rights.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageServicingRightsGross" xlink:to="fnlc_MortgageServicingRightsGross_lbl" xlink:title="label: MortgageServicingRightsGross to fnlc_MortgageServicingRightsGross_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_MortgageServicingRightsGross_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MortgageServicingRightsGross_lbl1" xml:lang="en-US" id="fnlc_MortgageServicingRightsGross_lbl1">Mortgage Servicing Rights Gross</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageServicingRightsGross" xlink:to="fnlc_MortgageServicingRightsGross_lbl1" xlink:title="label: MortgageServicingRightsGross to fnlc_MortgageServicingRightsGross_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_MortgageServicingRightsGross_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_MortgageServicingRightsGross_lbl2" xml:lang="en-US" id="fnlc_MortgageServicingRightsGross_lbl2">Mortgage servicing rights</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageServicingRightsGross" xlink:to="fnlc_MortgageServicingRightsGross_lbl2" xlink:title="label: MortgageServicingRightsGross to fnlc_MortgageServicingRightsGross_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AccumulatedAmortizationMortgageServicingRights" xlink:label="AccumulatedAmortizationMortgageServicingRights" xlink:title="AccumulatedAmortizationMortgageServicingRights" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl" xml:lang="en-US" id="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl">The cumulative amount of amortization for mortgage servicing rights that has been recognized in the income statement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedAmortizationMortgageServicingRights" xlink:to="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl" xlink:title="label: AccumulatedAmortizationMortgageServicingRights to fnlc_AccumulatedAmortizationMortgageServicingRights_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl1" xml:lang="en-US" id="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl1">Accumulated Amortization Mortgage Servicing Rights</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedAmortizationMortgageServicingRights" xlink:to="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl1" xlink:title="label: AccumulatedAmortizationMortgageServicingRights to fnlc_AccumulatedAmortizationMortgageServicingRights_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl2" xml:lang="en-US" id="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl2">Accumulated amortization</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccumulatedAmortizationMortgageServicingRights" xlink:to="fnlc_AccumulatedAmortizationMortgageServicingRights_lbl2" xlink:title="label: AccumulatedAmortizationMortgageServicingRights to fnlc_AccumulatedAmortizationMortgageServicingRights_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ReserveForImpairmentOfMortgageServicingRights" xlink:label="ReserveForImpairmentOfMortgageServicingRights" xlink:title="ReserveForImpairmentOfMortgageServicingRights" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl" xml:lang="en-US" id="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl">A reserve for the amount of expected decrease in the value of mortgage servicing rights which cannot be physically measured.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReserveForImpairmentOfMortgageServicingRights" xlink:to="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl" xlink:title="label: ReserveForImpairmentOfMortgageServicingRights to fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl1" xml:lang="en-US" id="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl1">Reserve For Impairment of Mortgage Servicing Rights</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReserveForImpairmentOfMortgageServicingRights" xlink:to="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl1" xlink:title="label: ReserveForImpairmentOfMortgageServicingRights to fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl2" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:title="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl2" xml:lang="en-US" id="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl2">Impairment reserve</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReserveForImpairmentOfMortgageServicingRights" xlink:to="fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl2" xlink:title="label: ReserveForImpairmentOfMortgageServicingRights to fnlc_ReserveForImpairmentOfMortgageServicingRights_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MortgageServicingRightsNet" xlink:label="MortgageServicingRightsNet" xlink:title="MortgageServicingRightsNet" />
    <link:label xlink:type="resource" xlink:label="fnlc_MortgageServicingRightsNet_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_MortgageServicingRightsNet_lbl" xml:lang="en-US" id="fnlc_MortgageServicingRightsNet_lbl">Net amount, as of the balance sheet date, of mortgage servicing rights.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageServicingRightsNet" xlink:to="fnlc_MortgageServicingRightsNet_lbl" xlink:title="label: MortgageServicingRightsNet to fnlc_MortgageServicingRightsNet_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_MortgageServicingRightsNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MortgageServicingRightsNet_lbl1" xml:lang="en-US" id="fnlc_MortgageServicingRightsNet_lbl1">Mortgage Servicing Rights Net</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageServicingRightsNet" xlink:to="fnlc_MortgageServicingRightsNet_lbl1" xlink:title="label: MortgageServicingRightsNet to fnlc_MortgageServicingRightsNet_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_MortgageServicingRightsNet_lbl2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="fnlc_MortgageServicingRightsNet_lbl2" xml:lang="en-US" id="fnlc_MortgageServicingRightsNet_lbl2">Mortgage Servicing Rights Net</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MortgageServicingRightsNet" xlink:to="fnlc_MortgageServicingRightsNet_lbl2" xlink:title="label: MortgageServicingRightsNet to fnlc_MortgageServicingRightsNet_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock" xlink:label="ScheduleOfCompositionOfLoanPortfolioTableTextBlock" xlink:title="ScheduleOfCompositionOfLoanPortfolioTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl">Tabular disclosure of the composition of loans contained in the loan portfolio.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfCompositionOfLoanPortfolioTableTextBlock" xlink:to="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl" xlink:title="label: ScheduleOfCompositionOfLoanPortfolioTableTextBlock to fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl1">Schedule Of Composition Of Loan Portfolio [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfCompositionOfLoanPortfolioTableTextBlock" xlink:to="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl1" xlink:title="label: ScheduleOfCompositionOfLoanPortfolioTableTextBlock to fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl2">Composition of Loan Portfolio</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfCompositionOfLoanPortfolioTableTextBlock" xlink:to="fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl2" xlink:title="label: ScheduleOfCompositionOfLoanPortfolioTableTextBlock to fnlc_ScheduleOfCompositionOfLoanPortfolioTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock" xlink:label="LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock" xlink:title="LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl" xml:lang="en-US" id="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl">Tabular disclosure for loans to directors, officers and employees which exceed specific reporting thresholds.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock" xlink:to="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl" xlink:title="label: LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock to fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl1" xml:lang="en-US" id="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl1">Loans to Directors, Officers and Employees which exceed $60,000 [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock" xlink:to="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl1" xlink:title="label: LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock to fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl2" xml:lang="en-US" id="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl2">Loans to Directors, Officers and Employees which exceed $60,000</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock" xlink:to="fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl2" xlink:title="label: LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock to fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TemporarilyImpairedSecuritiesAbstract" xlink:label="TemporarilyImpairedSecuritiesAbstract" xlink:title="TemporarilyImpairedSecuritiesAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_TemporarilyImpairedSecuritiesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TemporarilyImpairedSecuritiesAbstract_lbl1" xml:lang="en-US" id="fnlc_TemporarilyImpairedSecuritiesAbstract_lbl1">Temporarily Impaired Securities [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TemporarilyImpairedSecuritiesAbstract" xlink:to="fnlc_TemporarilyImpairedSecuritiesAbstract_lbl1" xlink:title="label: TemporarilyImpairedSecuritiesAbstract to fnlc_TemporarilyImpairedSecuritiesAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfStatesInNewEnglandWhereFhlbServe" xlink:label="NumberOfStatesInNewEnglandWhereFhlbServe" xlink:title="NumberOfStatesInNewEnglandWhereFhlbServe" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl" xml:lang="en-US" id="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl">The number of States in New England where Federal Home Loan Bank do housing and financing services.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfStatesInNewEnglandWhereFhlbServe" xlink:to="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl" xlink:title="label: NumberOfStatesInNewEnglandWhereFhlbServe to fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl1" xml:lang="en-US" id="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl1">Number Of States in New England Where FHLB Serve</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfStatesInNewEnglandWhereFhlbServe" xlink:to="fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl1" xlink:title="label: NumberOfStatesInNewEnglandWhereFhlbServe to fnlc_NumberOfStatesInNewEnglandWhereFhlbServe_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfRestrictedEquitySecuritiesTable" xlink:label="ScheduleOfRestrictedEquitySecuritiesTable" xlink:title="ScheduleOfRestrictedEquitySecuritiesTable" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfRestrictedEquitySecuritiesAxis" xlink:label="ScheduleOfRestrictedEquitySecuritiesAxis" xlink:title="ScheduleOfRestrictedEquitySecuritiesAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl" xml:lang="en-US" id="fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl">This element represents a number of concepts which capture the general categories of non-marketable investments.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl1">Schedule of Restricted Equity Securities [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfRestrictedEquitySecuritiesAxis" xlink:to="fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl1" xlink:title="label: ScheduleOfRestrictedEquitySecuritiesAxis to fnlc_ScheduleOfRestrictedEquitySecuritiesAxis_lbl1" />
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    <link:label xlink:type="resource" xlink:label="fnlc_MajorTypesOfRestrictedEquitySecuritiesDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_MajorTypesOfRestrictedEquitySecuritiesDomain_lbl" xml:lang="en-US" id="fnlc_MajorTypesOfRestrictedEquitySecuritiesDomain_lbl">Provides general categories of non-marketing investments for which information is required or determined to be disclosed.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FederalHomeLoanBankStockMember" xlink:label="FederalHomeLoanBankStockMember" xlink:title="FederalHomeLoanBankStockMember" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FederalReserveBankStockMember" xlink:label="FederalReserveBankStockMember" xlink:title="FederalReserveBankStockMember" />
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    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfRestrictedEquitySecuritiesLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfRestrictedEquitySecuritiesLineItems_lbl" xml:lang="en-US" id="fnlc_ScheduleOfRestrictedEquitySecuritiesLineItems_lbl">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfRestrictedEquitySecuritiesLineItems_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfRestrictedEquitySecuritiesLineItems_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfRestrictedEquitySecuritiesLineItems_lbl1">Schedule of Restricted Equity Securities [Line Items]</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_RestrictedEquitySecuritiesAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_RestrictedEquitySecuritiesAbstract_lbl2" xml:lang="en-US" id="fnlc_RestrictedEquitySecuritiesAbstract_lbl2">Restricted equity securities, cost and FMV [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RestrictedEquitySecuritiesAmortizedCost" xlink:label="RestrictedEquitySecuritiesAmortizedCost" xlink:title="RestrictedEquitySecuritiesAmortizedCost" />
    <link:label xlink:type="resource" xlink:label="fnlc_RestrictedEquitySecuritiesAmortizedCost_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RestrictedEquitySecuritiesAmortizedCost_lbl" xml:lang="en-US" id="fnlc_RestrictedEquitySecuritiesAmortizedCost_lbl">This item represents the cost of equity securities in Federal Home loan Banks and Federal Reserve Bank reported at cost and categorized as non-marketable with no determinable fair value because it ownership is restricted and it lacks a market.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RestrictedEquitySecuritiesUnrealizedGains" xlink:label="RestrictedEquitySecuritiesUnrealizedGains" xlink:title="RestrictedEquitySecuritiesUnrealizedGains" />
    <link:label xlink:type="resource" xlink:label="fnlc_RestrictedEquitySecuritiesUnrealizedGains_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RestrictedEquitySecuritiesUnrealizedGains_lbl" xml:lang="en-US" id="fnlc_RestrictedEquitySecuritiesUnrealizedGains_lbl">As of the balance sheet date, the excess of carrying value (amortized cost) over fair value of a security categorized as non marketable securities, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding loss.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RestrictedEquitySecuritiesUnrealizedLosses" xlink:label="RestrictedEquitySecuritiesUnrealizedLosses" xlink:title="RestrictedEquitySecuritiesUnrealizedLosses" />
    <link:label xlink:type="resource" xlink:label="fnlc_RestrictedEquitySecuritiesUnrealizedLosses_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RestrictedEquitySecuritiesUnrealizedLosses_lbl" xml:lang="en-US" id="fnlc_RestrictedEquitySecuritiesUnrealizedLosses_lbl">As of the balance sheet date, the excess of carrying value (amortized cost) over fair value of a security categorized as non marketable securities, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding loss.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RestrictedEquiySecuritiesFairValueEstimated" xlink:label="RestrictedEquiySecuritiesFairValueEstimated" xlink:title="RestrictedEquiySecuritiesFairValueEstimated" />
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    <link:label xlink:type="resource" xlink:label="fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl1" xml:lang="en-US" id="fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl1">Securities Available For Sale Debt And Equity Maturities Fair Value Estimated [Abstract]</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl2" xml:lang="en-US" id="fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl2">Securities available for sale, maturities fair value estimated [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract" xlink:to="fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl2" xlink:title="label: SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract to fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesFairValueEstimatedAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfSecuritiesTemporarilyImpaired" xlink:label="NumberOfSecuritiesTemporarilyImpaired" xlink:title="NumberOfSecuritiesTemporarilyImpaired" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl" xml:lang="en-US" id="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl">The number of securities with unrealized losses, classified as temporarily impaired, held in a Company's portfolio as of the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesTemporarilyImpaired" xlink:to="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl" xlink:title="label: NumberOfSecuritiesTemporarilyImpaired to fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl1" xml:lang="en-US" id="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl1">Number Of Securities Temporarily Impaired</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesTemporarilyImpaired" xlink:to="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl1" xlink:title="label: NumberOfSecuritiesTemporarilyImpaired to fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl2" xml:lang="en-US" id="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl2">Number of securities temporarily impaired as a result of changes in interest rates reducing their fair value (in number of securities)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesTemporarilyImpaired" xlink:to="fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl2" xlink:title="label: NumberOfSecuritiesTemporarilyImpaired to fnlc_NumberOfSecuritiesTemporarilyImpaired_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths" xlink:label="NumberOfSecuritiesTemporarilyImpairedTwelveMonths" xlink:title="NumberOfSecuritiesTemporarilyImpairedTwelveMonths" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl" xml:lang="en-US" id="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl">The number of securities temporarily impaired as of the balance sheet date for a period of 12 months or more.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesTemporarilyImpairedTwelveMonths" xlink:to="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl" xlink:title="label: NumberOfSecuritiesTemporarilyImpairedTwelveMonths to fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl1" xml:lang="en-US" id="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl1">Number Of Securities Temporarily Impaired Twelve Months</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesTemporarilyImpairedTwelveMonths" xlink:to="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl1" xlink:title="label: NumberOfSecuritiesTemporarilyImpairedTwelveMonths to fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl2" xml:lang="en-US" id="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl2">Number of securities temporarily impaired for 12 months or more (in number of securities)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSecuritiesTemporarilyImpairedTwelveMonths" xlink:to="fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl2" xlink:title="label: NumberOfSecuritiesTemporarilyImpairedTwelveMonths to fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LengthOfTimeSecuritiesTemporarilyImpaired" xlink:label="LengthOfTimeSecuritiesTemporarilyImpaired" xlink:title="LengthOfTimeSecuritiesTemporarilyImpaired" />
    <link:label xlink:type="resource" xlink:label="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl" xml:lang="en-US" id="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl">Length of time securities are temporarily impaired.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LengthOfTimeSecuritiesTemporarilyImpaired" xlink:to="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl" xlink:title="label: LengthOfTimeSecuritiesTemporarilyImpaired to fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl1" xml:lang="en-US" id="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl1">Length Of Time Securities Temporarily Impaired</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LengthOfTimeSecuritiesTemporarilyImpaired" xlink:to="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl1" xlink:title="label: LengthOfTimeSecuritiesTemporarilyImpaired to fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl2" xml:lang="en-US" id="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl2">Length of time for the temporary impairment (in months)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LengthOfTimeSecuritiesTemporarilyImpaired" xlink:to="fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl2" xlink:title="label: LengthOfTimeSecuritiesTemporarilyImpaired to fnlc_LengthOfTimeSecuritiesTemporarilyImpaired_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock" xlink:label="ReconciliationOfMortgageServicingRightsTableTextBlock" xlink:title="ReconciliationOfMortgageServicingRightsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl">A tabular presentation of the net mortgage servicing rights as of the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReconciliationOfMortgageServicingRightsTableTextBlock" xlink:to="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl" xlink:title="label: ReconciliationOfMortgageServicingRightsTableTextBlock to fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl1">Reconciliation of Mortgage Servicing Rights [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReconciliationOfMortgageServicingRightsTableTextBlock" xlink:to="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl1" xlink:title="label: ReconciliationOfMortgageServicingRightsTableTextBlock to fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl2">Reconciliation of Mortgage Servicing Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReconciliationOfMortgageServicingRightsTableTextBlock" xlink:to="fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl2" xlink:title="label: ReconciliationOfMortgageServicingRightsTableTextBlock to fnlc_ReconciliationOfMortgageServicingRightsTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MovingAverageOfWeeklyPrepaymentData" xlink:label="MovingAverageOfWeeklyPrepaymentData" xlink:title="MovingAverageOfWeeklyPrepaymentData" />
    <link:label xlink:type="resource" xlink:label="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl" xml:lang="en-US" id="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl">The moving average period of weekly prepayment data used as assumption in evaluating the carrying value of mortgage servicing rights.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MovingAverageOfWeeklyPrepaymentData" xlink:to="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl" xlink:title="label: MovingAverageOfWeeklyPrepaymentData to fnlc_MovingAverageOfWeeklyPrepaymentData_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl1" xml:lang="en-US" id="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl1">Moving average of weekly prepayment data</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MovingAverageOfWeeklyPrepaymentData" xlink:to="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl1" xlink:title="label: MovingAverageOfWeeklyPrepaymentData to fnlc_MovingAverageOfWeeklyPrepaymentData_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl2" xml:lang="en-US" id="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl2">Moving average of weekly prepayment data (in months)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MovingAverageOfWeeklyPrepaymentData" xlink:to="fnlc_MovingAverageOfWeeklyPrepaymentData_lbl2" xlink:title="label: MovingAverageOfWeeklyPrepaymentData to fnlc_MovingAverageOfWeeklyPrepaymentData_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AverageQuarterlyDiscountRate" xlink:label="AverageQuarterlyDiscountRate" xlink:title="AverageQuarterlyDiscountRate" />
    <link:label xlink:type="resource" xlink:label="fnlc_AverageQuarterlyDiscountRate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AverageQuarterlyDiscountRate_lbl" xml:lang="en-US" id="fnlc_AverageQuarterlyDiscountRate_lbl">The average quarterly discount rate period used as assumption in evaluating the carrying value of mortgage servicing rights.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AverageQuarterlyDiscountRate" xlink:to="fnlc_AverageQuarterlyDiscountRate_lbl" xlink:title="label: AverageQuarterlyDiscountRate to fnlc_AverageQuarterlyDiscountRate_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AverageQuarterlyDiscountRate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AverageQuarterlyDiscountRate_lbl1" xml:lang="en-US" id="fnlc_AverageQuarterlyDiscountRate_lbl1">Average quarterly discount rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AverageQuarterlyDiscountRate" xlink:to="fnlc_AverageQuarterlyDiscountRate_lbl1" xlink:title="label: AverageQuarterlyDiscountRate to fnlc_AverageQuarterlyDiscountRate_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AverageQuarterlyDiscountRate_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_AverageQuarterlyDiscountRate_lbl2" xml:lang="en-US" id="fnlc_AverageQuarterlyDiscountRate_lbl2">Period used to determine average quarterly discount rate (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AverageQuarterlyDiscountRate" xlink:to="fnlc_AverageQuarterlyDiscountRate_lbl2" xlink:title="label: AverageQuarterlyDiscountRate to fnlc_AverageQuarterlyDiscountRate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" xlink:label="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" xlink:title="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" />
    <link:label xlink:type="resource" xlink:label="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl" xml:lang="en-US" id="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl">The amount of rate spread added to the ten-year US Treasury rate to derive the discount rate used in the fair value calculation for the loan servicing portfolio.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" xlink:to="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl" xlink:title="label: ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor to fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl1" xml:lang="en-US" id="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl1">Servicing Assets And Servicing Liabilities At Fair Value Assumptions Used To Estimate Fair Value Discount Rate Adjustment Factor</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" xlink:to="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl1" xlink:title="label: ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor to fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl2" xml:lang="en-US" id="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl2">Servicing assets and servicing liabilities at fair value, assumptions used to estimate fair value, discount rate adjustment factor (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor" xlink:to="fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl2" xlink:title="label: ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor to fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ImpairedLoansInformationTableTextBlock" xlink:label="ImpairedLoansInformationTableTextBlock" xlink:title="ImpairedLoansInformationTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedLoansInformationTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ImpairedLoansInformationTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ImpairedLoansInformationTableTextBlock_lbl">Tabular disclosure of investment in impaired loans, along with income recognized and allowance for impaired loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansInformationTableTextBlock" xlink:to="fnlc_ImpairedLoansInformationTableTextBlock_lbl" xlink:title="label: ImpairedLoansInformationTableTextBlock to fnlc_ImpairedLoansInformationTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedLoansInformationTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ImpairedLoansInformationTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ImpairedLoansInformationTableTextBlock_lbl1">Impaired Loans Information [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansInformationTableTextBlock" xlink:to="fnlc_ImpairedLoansInformationTableTextBlock_lbl1" xlink:title="label: ImpairedLoansInformationTableTextBlock to fnlc_ImpairedLoansInformationTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedLoansInformationTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ImpairedLoansInformationTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ImpairedLoansInformationTableTextBlock_lbl2">Impaired Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansInformationTableTextBlock" xlink:to="fnlc_ImpairedLoansInformationTableTextBlock_lbl2" xlink:title="label: ImpairedLoansInformationTableTextBlock to fnlc_ImpairedLoansInformationTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfFinancingReceivablesTable" xlink:label="ScheduleOfFinancingReceivablesTable" xlink:title="ScheduleOfFinancingReceivablesTable" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfFinancingReceivablesTable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfFinancingReceivablesTable_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfFinancingReceivablesTable_lbl1">Schedule of Financing Receivables [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfFinancingReceivablesTable" xlink:to="fnlc_ScheduleOfFinancingReceivablesTable_lbl1" xlink:title="label: ScheduleOfFinancingReceivablesTable to fnlc_ScheduleOfFinancingReceivablesTable_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CommercialOtherMember" xlink:label="CommercialOtherMember" xlink:title="CommercialOtherMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialOtherMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CommercialOtherMember_lbl" xml:lang="en-US" id="fnlc_CommercialOtherMember_lbl">Class of loans receivable related to commercial business.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialOtherMember" xlink:to="fnlc_CommercialOtherMember_lbl" xlink:title="label: CommercialOtherMember to fnlc_CommercialOtherMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialOtherMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CommercialOtherMember_lbl1" xml:lang="en-US" id="fnlc_CommercialOtherMember_lbl1">Commercial Other [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialOtherMember" xlink:to="fnlc_CommercialOtherMember_lbl1" xlink:title="label: CommercialOtherMember to fnlc_CommercialOtherMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MunicipalMember" xlink:label="MunicipalMember" xlink:title="MunicipalMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_MunicipalMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_MunicipalMember_lbl" xml:lang="en-US" id="fnlc_MunicipalMember_lbl">Class of loans receivable which are related to municipalities or other city governments.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MunicipalMember" xlink:to="fnlc_MunicipalMember_lbl" xlink:title="label: MunicipalMember to fnlc_MunicipalMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_MunicipalMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MunicipalMember_lbl1" xml:lang="en-US" id="fnlc_MunicipalMember_lbl1">Municipal [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MunicipalMember" xlink:to="fnlc_MunicipalMember_lbl1" xlink:title="label: MunicipalMember to fnlc_MunicipalMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialTermMember" xlink:label="ResidentialTermMember" xlink:title="ResidentialTermMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialTermMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ResidentialTermMember_lbl" xml:lang="en-US" id="fnlc_ResidentialTermMember_lbl">The catagory of loans which are designated to individuals for a residence that typically includes traditional amortizing home mortgages.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialTermMember" xlink:to="fnlc_ResidentialTermMember_lbl" xlink:title="label: ResidentialTermMember to fnlc_ResidentialTermMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialTermMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialTermMember_lbl1" xml:lang="en-US" id="fnlc_ResidentialTermMember_lbl1">Residential Term [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialTermMember" xlink:to="fnlc_ResidentialTermMember_lbl1" xlink:title="label: ResidentialTermMember to fnlc_ResidentialTermMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialConstructionMember" xlink:label="ResidentialConstructionMember" xlink:title="ResidentialConstructionMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialConstructionMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ResidentialConstructionMember_lbl" xml:lang="en-US" id="fnlc_ResidentialConstructionMember_lbl">The catagory of loans which are designated to individuals for construction of a residence.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialConstructionMember" xlink:to="fnlc_ResidentialConstructionMember_lbl" xlink:title="label: ResidentialConstructionMember to fnlc_ResidentialConstructionMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialConstructionMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialConstructionMember_lbl1" xml:lang="en-US" id="fnlc_ResidentialConstructionMember_lbl1">Residential Construction [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialConstructionMember" xlink:to="fnlc_ResidentialConstructionMember_lbl1" xlink:title="label: ResidentialConstructionMember to fnlc_ResidentialConstructionMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableAllowanceAxis" xlink:label="FinancingReceivableAllowanceAxis" xlink:title="FinancingReceivableAllowanceAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableAllowanceAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableAllowanceAxis_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableAllowanceAxis_lbl">Information by allowance for doubtful accounts.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableAllowanceAxis" xlink:to="fnlc_FinancingReceivableAllowanceAxis_lbl" xlink:title="label: FinancingReceivableAllowanceAxis to fnlc_FinancingReceivableAllowanceAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableAllowanceAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableAllowanceAxis_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableAllowanceAxis_lbl1">Financing Receivable Allowance [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableAllowanceAxis" xlink:to="fnlc_FinancingReceivableAllowanceAxis_lbl1" xlink:title="label: FinancingReceivableAllowanceAxis to fnlc_FinancingReceivableAllowanceAxis_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_WithNoRelatedAllowanceRecordedMember" xlink:label="WithNoRelatedAllowanceRecordedMember" xlink:title="WithNoRelatedAllowanceRecordedMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_WithNoRelatedAllowanceRecordedMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_WithNoRelatedAllowanceRecordedMember_lbl" xml:lang="en-US" id="fnlc_WithNoRelatedAllowanceRecordedMember_lbl">Loans receivable accounts that do not have an offsetting allowance account for bad debt.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WithNoRelatedAllowanceRecordedMember" xlink:to="fnlc_WithNoRelatedAllowanceRecordedMember_lbl" xlink:title="label: WithNoRelatedAllowanceRecordedMember to fnlc_WithNoRelatedAllowanceRecordedMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_WithNoRelatedAllowanceRecordedMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_WithNoRelatedAllowanceRecordedMember_lbl1" xml:lang="en-US" id="fnlc_WithNoRelatedAllowanceRecordedMember_lbl1">With No Related Allowance Recorded [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WithNoRelatedAllowanceRecordedMember" xlink:to="fnlc_WithNoRelatedAllowanceRecordedMember_lbl1" xlink:title="label: WithNoRelatedAllowanceRecordedMember to fnlc_WithNoRelatedAllowanceRecordedMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_WithAllowanceRecordedMember" xlink:label="WithAllowanceRecordedMember" xlink:title="WithAllowanceRecordedMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_WithAllowanceRecordedMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_WithAllowanceRecordedMember_lbl" xml:lang="en-US" id="fnlc_WithAllowanceRecordedMember_lbl">Loans receivable accounts that do have an offsetting allowance account for bad debt.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WithAllowanceRecordedMember" xlink:to="fnlc_WithAllowanceRecordedMember_lbl" xlink:title="label: WithAllowanceRecordedMember to fnlc_WithAllowanceRecordedMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_WithAllowanceRecordedMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_WithAllowanceRecordedMember_lbl1" xml:lang="en-US" id="fnlc_WithAllowanceRecordedMember_lbl1">With an Allowance Recorded [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WithAllowanceRecordedMember" xlink:to="fnlc_WithAllowanceRecordedMember_lbl1" xlink:title="label: WithAllowanceRecordedMember to fnlc_WithAllowanceRecordedMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfFinancingReceivablesLineItems" xlink:label="ScheduleOfFinancingReceivablesLineItems" xlink:title="ScheduleOfFinancingReceivablesLineItems" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfFinancingReceivablesLineItems_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfFinancingReceivablesLineItems_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfFinancingReceivablesLineItems_lbl1">Schedule of Financing Receivables [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfFinancingReceivablesLineItems" xlink:to="fnlc_ScheduleOfFinancingReceivablesLineItems_lbl1" xlink:title="label: ScheduleOfFinancingReceivablesLineItems to fnlc_ScheduleOfFinancingReceivablesLineItems_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CompositionOfLoanPortfolioAbstract" xlink:label="CompositionOfLoanPortfolioAbstract" xlink:title="CompositionOfLoanPortfolioAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_CompositionOfLoanPortfolioAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CompositionOfLoanPortfolioAbstract_lbl1" xml:lang="en-US" id="fnlc_CompositionOfLoanPortfolioAbstract_lbl1">Composition of Loan Portfolio [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CompositionOfLoanPortfolioAbstract" xlink:to="fnlc_CompositionOfLoanPortfolioAbstract_lbl1" xlink:title="label: CompositionOfLoanPortfolioAbstract to fnlc_CompositionOfLoanPortfolioAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PercentageOfLoansReceivableByType" xlink:label="PercentageOfLoansReceivableByType" xlink:title="PercentageOfLoansReceivableByType" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfLoansReceivableByType_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PercentageOfLoansReceivableByType_lbl" xml:lang="en-US" id="fnlc_PercentageOfLoansReceivableByType_lbl">Reflects the break down of the gross carrying amount of all categories of loans and leases held in the portfolio, after deducting deferred income, but before deducting the allowance for losses on loans and leases as a percentage of total portfolio.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfLoansReceivableByType" xlink:to="fnlc_PercentageOfLoansReceivableByType_lbl" xlink:title="label: PercentageOfLoansReceivableByType to fnlc_PercentageOfLoansReceivableByType_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfLoansReceivableByType_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PercentageOfLoansReceivableByType_lbl1" xml:lang="en-US" id="fnlc_PercentageOfLoansReceivableByType_lbl1">Percentage of Loans Receivable, by type</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfLoansReceivableByType" xlink:to="fnlc_PercentageOfLoansReceivableByType_lbl1" xlink:title="label: PercentageOfLoansReceivableByType to fnlc_PercentageOfLoansReceivableByType_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfLoansReceivableByType_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PercentageOfLoansReceivableByType_lbl2" xml:lang="en-US" id="fnlc_PercentageOfLoansReceivableByType_lbl2">Percentage of loan portfolio (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfLoansReceivableByType" xlink:to="fnlc_PercentageOfLoansReceivableByType_lbl2" xlink:title="label: PercentageOfLoansReceivableByType to fnlc_PercentageOfLoansReceivableByType_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LoansReceivable3059DaysPastDue" xlink:label="LoansReceivable3059DaysPastDue" xlink:title="LoansReceivable3059DaysPastDue" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansReceivable3059DaysPastDue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LoansReceivable3059DaysPastDue_lbl" xml:lang="en-US" id="fnlc_LoansReceivable3059DaysPastDue_lbl">Financing receivables that are less than 60 days past due but more than 29 days past due.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivable3059DaysPastDue" xlink:to="fnlc_LoansReceivable3059DaysPastDue_lbl" xlink:title="label: LoansReceivable3059DaysPastDue to fnlc_LoansReceivable3059DaysPastDue_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansReceivable3059DaysPastDue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LoansReceivable3059DaysPastDue_lbl1" xml:lang="en-US" id="fnlc_LoansReceivable3059DaysPastDue_lbl1">Loans Receivable 30 59 Days Past Due</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivable3059DaysPastDue" xlink:to="fnlc_LoansReceivable3059DaysPastDue_lbl1" xlink:title="label: LoansReceivable3059DaysPastDue to fnlc_LoansReceivable3059DaysPastDue_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LoansReceivable6089DaysPastDue" xlink:label="LoansReceivable6089DaysPastDue" xlink:title="LoansReceivable6089DaysPastDue" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansReceivable6089DaysPastDue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LoansReceivable6089DaysPastDue_lbl" xml:lang="en-US" id="fnlc_LoansReceivable6089DaysPastDue_lbl">Financing receivables that are more than 59 days past due and less than 90 days past due.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivable6089DaysPastDue" xlink:to="fnlc_LoansReceivable6089DaysPastDue_lbl" xlink:title="label: LoansReceivable6089DaysPastDue to fnlc_LoansReceivable6089DaysPastDue_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansReceivable6089DaysPastDue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LoansReceivable6089DaysPastDue_lbl1" xml:lang="en-US" id="fnlc_LoansReceivable6089DaysPastDue_lbl1">Loans Receivable 60 89 Days Past Due</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansReceivable6089DaysPastDue" xlink:to="fnlc_LoansReceivable6089DaysPastDue_lbl1" xlink:title="label: LoansReceivable6089DaysPastDue to fnlc_LoansReceivable6089DaysPastDue_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ImpairedFinancingReceivableWithNoAllowance" xlink:label="ImpairedFinancingReceivableWithNoAllowance" xlink:title="ImpairedFinancingReceivableWithNoAllowance" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl" xml:lang="en-US" id="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl">The portion of loans receivable balance which doesn't have an offsetting allowance for doubtful accounts.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableWithNoAllowance" xlink:to="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl" xlink:title="label: ImpairedFinancingReceivableWithNoAllowance to fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl1" xml:lang="en-US" id="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl1">Impaired Financing Receivable With No Allowance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableWithNoAllowance" xlink:to="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl1" xlink:title="label: ImpairedFinancingReceivableWithNoAllowance to fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl2" xml:lang="en-US" id="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl2">Less portion for which no allowance for loan losses is allocated</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableWithNoAllowance" xlink:to="fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl2" xlink:title="label: ImpairedFinancingReceivableWithNoAllowance to fnlc_ImpairedFinancingReceivableWithNoAllowance_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ImpairedFinancingReceivableWithAllowance" xlink:label="ImpairedFinancingReceivableWithAllowance" xlink:title="ImpairedFinancingReceivableWithAllowance" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedFinancingReceivableWithAllowance_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ImpairedFinancingReceivableWithAllowance_lbl" xml:lang="en-US" id="fnlc_ImpairedFinancingReceivableWithAllowance_lbl">Portion of loans receivable balance which has an offsetting allowance for doubtful accounts.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableWithAllowance" xlink:to="fnlc_ImpairedFinancingReceivableWithAllowance_lbl" xlink:title="label: ImpairedFinancingReceivableWithAllowance to fnlc_ImpairedFinancingReceivableWithAllowance_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedFinancingReceivableWithAllowance_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ImpairedFinancingReceivableWithAllowance_lbl1" xml:lang="en-US" id="fnlc_ImpairedFinancingReceivableWithAllowance_lbl1">Impaired Financing Receivable With Allowance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedFinancingReceivableWithAllowance" xlink:to="fnlc_ImpairedFinancingReceivableWithAllowance_lbl1" xlink:title="label: ImpairedFinancingReceivableWithAllowance to fnlc_ImpairedFinancingReceivableWithAllowance_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RelatedPartyLoanReceivable" xlink:label="RelatedPartyLoanReceivable" xlink:title="RelatedPartyLoanReceivable" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedPartyLoanReceivable_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RelatedPartyLoanReceivable_lbl" xml:lang="en-US" id="fnlc_RelatedPartyLoanReceivable_lbl">For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts which in aggregate exceed $60,000, due from related parties at the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedPartyLoanReceivable" xlink:to="fnlc_RelatedPartyLoanReceivable_lbl" xlink:title="label: RelatedPartyLoanReceivable to fnlc_RelatedPartyLoanReceivable_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedPartyLoanReceivable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_RelatedPartyLoanReceivable_lbl1" xml:lang="en-US" id="fnlc_RelatedPartyLoanReceivable_lbl1">Related Party Loan Receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedPartyLoanReceivable" xlink:to="fnlc_RelatedPartyLoanReceivable_lbl1" xlink:title="label: RelatedPartyLoanReceivable to fnlc_RelatedPartyLoanReceivable_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedPartyLoanReceivable_lbl2" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:title="fnlc_RelatedPartyLoanReceivable_lbl2" xml:lang="en-US" id="fnlc_RelatedPartyLoanReceivable_lbl2">Balance at beginning of year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedPartyLoanReceivable" xlink:to="fnlc_RelatedPartyLoanReceivable_lbl2" xlink:title="label: RelatedPartyLoanReceivable to fnlc_RelatedPartyLoanReceivable_lbl2" />
    <link:label xlink:type="resource" xlink:label="fnlc_RelatedPartyLoanReceivable_lbl3" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:title="fnlc_RelatedPartyLoanReceivable_lbl3" xml:lang="en-US" id="fnlc_RelatedPartyLoanReceivable_lbl3">Balance at end of year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RelatedPartyLoanReceivable" xlink:to="fnlc_RelatedPartyLoanReceivable_lbl3" xlink:title="label: RelatedPartyLoanReceivable to fnlc_RelatedPartyLoanReceivable_lbl3" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ImpairedLoansFairValueDisclosure" xlink:label="ImpairedLoansFairValueDisclosure" xlink:title="ImpairedLoansFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedLoansFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ImpairedLoansFairValueDisclosure_lbl" xml:lang="en-US" id="fnlc_ImpairedLoansFairValueDisclosure_lbl">This element represents the fair value disclosure of impaired loans that have had a fair value adjustment since their initial recognition.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansFairValueDisclosure" xlink:to="fnlc_ImpairedLoansFairValueDisclosure_lbl" xlink:title="label: ImpairedLoansFairValueDisclosure to fnlc_ImpairedLoansFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedLoansFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ImpairedLoansFairValueDisclosure_lbl1" xml:lang="en-US" id="fnlc_ImpairedLoansFairValueDisclosure_lbl1">Impaired Loans Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansFairValueDisclosure" xlink:to="fnlc_ImpairedLoansFairValueDisclosure_lbl1" xlink:title="label: ImpairedLoansFairValueDisclosure to fnlc_ImpairedLoansFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ImpairedLoansFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ImpairedLoansFairValueDisclosure_lbl2" xml:lang="en-US" id="fnlc_ImpairedLoansFairValueDisclosure_lbl2">Impaired loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ImpairedLoansFairValueDisclosure" xlink:to="fnlc_ImpairedLoansFairValueDisclosure_lbl2" xlink:title="label: ImpairedLoansFairValueDisclosure to fnlc_ImpairedLoansFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months" xlink:label="FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months" xlink:title="FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl">Financing receivables that are greater than 30 days past due and that had been placed in TDR status in the previous 12 months.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months" xlink:to="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl" xlink:title="label: FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months to fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl1">Financing Receivable Recorded Investment Greater Than30 Days Past Due Placed In T D R In Previous12 Months</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months" xlink:to="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl1" xlink:title="label: FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months to fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl2" xml:lang="en-US" id="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl2">Balance of TDR loans past due</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months" xlink:to="fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl2" xlink:title="label: FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months to fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock" xlink:label="LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock" xlink:title="LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl" xml:lang="en-US" id="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl">Tabular disclosure for the allowance which consists of four elements: (1) specific reserves for loans evaluated individually for impairment; (2) general reserves for types or portfolios of loans based on historical loan loss experience, (3) qualitative reserves judgmentally adjusted for local and national economic conditions, and other factors as applicable; and (4) unallocated reserves.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock" xlink:to="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl" xlink:title="label: LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock to fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl1">Loan losses by loan segment and allowance element [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock" xlink:to="fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl1" xlink:title="label: LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock to fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock" xlink:label="ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock" xlink:title="ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl">Tabular disclosure for the roll forward of change in allowance for loan losses from period to period and related loan balances.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock" xlink:to="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl" xlink:title="label: ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock to fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl1">Activity In Allowance For Loan Losses By Portfolio And Segment [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock" xlink:to="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl1" xlink:title="label: ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock to fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl2">Allowance for Loan Losses Transactions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock" xlink:to="fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl2" xlink:title="label: ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock to fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock" xlink:label="ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock" xlink:title="ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl">Tabular disclosure of loans placed on troubled debt restructurings status by type of loan and the associated specific reserve included in the allowance for loan losses.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock" xlink:to="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl" xlink:title="label: ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock to fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl1">Schedule of Troubled Debt Restructurings By Type And Specific Reserve [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock" xlink:to="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl1" xlink:title="label: ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock to fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl2">Loans placed on troubled debt restructurings by class and specific reserve</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock" xlink:to="fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl2" xlink:title="label: ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock to fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CommercialConstructionMember" xlink:label="CommercialConstructionMember" xlink:title="CommercialConstructionMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialConstructionMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CommercialConstructionMember_lbl" xml:lang="en-US" id="fnlc_CommercialConstructionMember_lbl">A borrowing arrangement which provides the entity constructing a facility (such as a building and a landfill) with funds to effect construction, generally on a draw down, or as needed, basis.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialConstructionMember" xlink:to="fnlc_CommercialConstructionMember_lbl" xlink:title="label: CommercialConstructionMember to fnlc_CommercialConstructionMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialConstructionMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CommercialConstructionMember_lbl1" xml:lang="en-US" id="fnlc_CommercialConstructionMember_lbl1">Commercial Construction [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialConstructionMember" xlink:to="fnlc_CommercialConstructionMember_lbl1" xlink:title="label: CommercialConstructionMember to fnlc_CommercialConstructionMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableInformationByTypeOfReserveAxis" xlink:label="FinancingReceivableInformationByTypeOfReserveAxis" xlink:title="FinancingReceivableInformationByTypeOfReserveAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl">Type of reserves based on individual impairment, historical loss experience, or qualitative factors.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableInformationByTypeOfReserveAxis" xlink:to="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl" xlink:title="label: FinancingReceivableInformationByTypeOfReserveAxis to fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl1">Financing Receivable Information by Type of Reserve [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableInformationByTypeOfReserveAxis" xlink:to="fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl1" xlink:title="label: FinancingReceivableInformationByTypeOfReserveAxis to fnlc_FinancingReceivableInformationByTypeOfReserveAxis_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableInformationByTypeOfReserveDomain" xlink:label="FinancingReceivableInformationByTypeOfReserveDomain" xlink:title="FinancingReceivableInformationByTypeOfReserveDomain" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl">Type of reserves based on individual impairment, historical loss experience, or qualitative factors.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableInformationByTypeOfReserveDomain" xlink:to="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl" xlink:title="label: FinancingReceivableInformationByTypeOfReserveDomain to fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl1">Financing Receivable Information by Type of Reserve [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableInformationByTypeOfReserveDomain" xlink:to="fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl1" xlink:title="label: FinancingReceivableInformationByTypeOfReserveDomain to fnlc_FinancingReceivableInformationByTypeOfReserveDomain_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember" xlink:label="SpecificReservesEvaluatedIndividuallyForImpairmentMember" xlink:title="SpecificReservesEvaluatedIndividuallyForImpairmentMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl" xml:lang="en-US" id="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl">Specific reserved based on evaluating each loan individually.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SpecificReservesEvaluatedIndividuallyForImpairmentMember" xlink:to="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl" xlink:title="label: SpecificReservesEvaluatedIndividuallyForImpairmentMember to fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl1" xml:lang="en-US" id="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl1">Specific Reserves Evaluated Individually for Impairment [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SpecificReservesEvaluatedIndividuallyForImpairmentMember" xlink:to="fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl1" xlink:title="label: SpecificReservesEvaluatedIndividuallyForImpairmentMember to fnlc_SpecificReservesEvaluatedIndividuallyForImpairmentMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember" xlink:label="GeneralReservesBasedOnHistoricalLossExperienceMember" xlink:title="GeneralReservesBasedOnHistoricalLossExperienceMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl" xml:lang="en-US" id="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl">General reserves for types of portfolios of loans based on historical loss experience.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GeneralReservesBasedOnHistoricalLossExperienceMember" xlink:to="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl" xlink:title="label: GeneralReservesBasedOnHistoricalLossExperienceMember to fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl1" xml:lang="en-US" id="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl1">General Reserves Based on Historical Loss Experience [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GeneralReservesBasedOnHistoricalLossExperienceMember" xlink:to="fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl1" xlink:title="label: GeneralReservesBasedOnHistoricalLossExperienceMember to fnlc_GeneralReservesBasedOnHistoricalLossExperienceMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ReserveForQualitativeFactorsMember" xlink:label="ReserveForQualitativeFactorsMember" xlink:title="ReserveForQualitativeFactorsMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReserveForQualitativeFactorsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ReserveForQualitativeFactorsMember_lbl" xml:lang="en-US" id="fnlc_ReserveForQualitativeFactorsMember_lbl">Qualitative reserves judgmentally adjusted for local and national economic conditions, concentrations, portfolio composition, and other factors.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReserveForQualitativeFactorsMember" xlink:to="fnlc_ReserveForQualitativeFactorsMember_lbl" xlink:title="label: ReserveForQualitativeFactorsMember to fnlc_ReserveForQualitativeFactorsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ReserveForQualitativeFactorsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ReserveForQualitativeFactorsMember_lbl1" xml:lang="en-US" id="fnlc_ReserveForQualitativeFactorsMember_lbl1">Reserve for Qualitative Factors [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReserveForQualitativeFactorsMember" xlink:to="fnlc_ReserveForQualitativeFactorsMember_lbl1" xlink:title="label: ReserveForQualitativeFactorsMember to fnlc_ReserveForQualitativeFactorsMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_UnallocatedReservesMember" xlink:label="UnallocatedReservesMember" xlink:title="UnallocatedReservesMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnallocatedReservesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_UnallocatedReservesMember_lbl" xml:lang="en-US" id="fnlc_UnallocatedReservesMember_lbl">Additional reserves not fitting the other criterias.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnallocatedReservesMember" xlink:to="fnlc_UnallocatedReservesMember_lbl" xlink:title="label: UnallocatedReservesMember to fnlc_UnallocatedReservesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnallocatedReservesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_UnallocatedReservesMember_lbl1" xml:lang="en-US" id="fnlc_UnallocatedReservesMember_lbl1">Unallocated Reserves [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnallocatedReservesMember" xlink:to="fnlc_UnallocatedReservesMember_lbl1" xlink:title="label: UnallocatedReservesMember to fnlc_UnallocatedReservesMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Strong1Member" xlink:label="Strong1Member" xlink:title="Strong1Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Strong1Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Strong1Member_lbl" xml:lang="en-US" id="fnlc_Strong1Member_lbl">Credit quality indicators that are developed and used internally by the company-level 1.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Strong1Member" xlink:to="fnlc_Strong1Member_lbl" xlink:title="label: Strong1Member to fnlc_Strong1Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Strong1Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Strong1Member_lbl1" xml:lang="en-US" id="fnlc_Strong1Member_lbl1">Strong 1 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Strong1Member" xlink:to="fnlc_Strong1Member_lbl1" xlink:title="label: Strong1Member to fnlc_Strong1Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AboveAverage2Member" xlink:label="AboveAverage2Member" xlink:title="AboveAverage2Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_AboveAverage2Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AboveAverage2Member_lbl" xml:lang="en-US" id="fnlc_AboveAverage2Member_lbl">Credit quality indicators that are developed and used internally by the company-level 2.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AboveAverage2Member" xlink:to="fnlc_AboveAverage2Member_lbl" xlink:title="label: AboveAverage2Member to fnlc_AboveAverage2Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AboveAverage2Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AboveAverage2Member_lbl1" xml:lang="en-US" id="fnlc_AboveAverage2Member_lbl1">Above Average 2 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AboveAverage2Member" xlink:to="fnlc_AboveAverage2Member_lbl1" xlink:title="label: AboveAverage2Member to fnlc_AboveAverage2Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Satisfactory3Member" xlink:label="Satisfactory3Member" xlink:title="Satisfactory3Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Satisfactory3Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Satisfactory3Member_lbl" xml:lang="en-US" id="fnlc_Satisfactory3Member_lbl">Credit quality indicators that are developed and used internally by the company-level 3.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Satisfactory3Member" xlink:to="fnlc_Satisfactory3Member_lbl" xlink:title="label: Satisfactory3Member to fnlc_Satisfactory3Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Satisfactory3Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Satisfactory3Member_lbl1" xml:lang="en-US" id="fnlc_Satisfactory3Member_lbl1">Satisfactory 3 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Satisfactory3Member" xlink:to="fnlc_Satisfactory3Member_lbl1" xlink:title="label: Satisfactory3Member to fnlc_Satisfactory3Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Average4Member" xlink:label="Average4Member" xlink:title="Average4Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Average4Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Average4Member_lbl" xml:lang="en-US" id="fnlc_Average4Member_lbl">Credit quality indicators that are developed and used internally by the company-level 4.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Average4Member" xlink:to="fnlc_Average4Member_lbl" xlink:title="label: Average4Member to fnlc_Average4Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Average4Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Average4Member_lbl1" xml:lang="en-US" id="fnlc_Average4Member_lbl1">Average 4 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Average4Member" xlink:to="fnlc_Average4Member_lbl1" xlink:title="label: Average4Member to fnlc_Average4Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Watch5Member" xlink:label="Watch5Member" xlink:title="Watch5Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Watch5Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Watch5Member_lbl" xml:lang="en-US" id="fnlc_Watch5Member_lbl">Credit quality indicators that are developed and used internally by the company-level 5.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Watch5Member" xlink:to="fnlc_Watch5Member_lbl" xlink:title="label: Watch5Member to fnlc_Watch5Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Watch5Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Watch5Member_lbl1" xml:lang="en-US" id="fnlc_Watch5Member_lbl1">Watch 5 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Watch5Member" xlink:to="fnlc_Watch5Member_lbl1" xlink:title="label: Watch5Member to fnlc_Watch5Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Oaem6Member" xlink:label="Oaem6Member" xlink:title="Oaem6Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Oaem6Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Oaem6Member_lbl" xml:lang="en-US" id="fnlc_Oaem6Member_lbl">Credit quality indicators that are developed and used internally by the company-level 6.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Oaem6Member" xlink:to="fnlc_Oaem6Member_lbl" xlink:title="label: Oaem6Member to fnlc_Oaem6Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Oaem6Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Oaem6Member_lbl1" xml:lang="en-US" id="fnlc_Oaem6Member_lbl1">OAEM 6 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Oaem6Member" xlink:to="fnlc_Oaem6Member_lbl1" xlink:title="label: Oaem6Member to fnlc_Oaem6Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CommercialAndMunicipalRiskRatedLoansReceivable" xlink:label="CommercialAndMunicipalRiskRatedLoansReceivable" xlink:title="CommercialAndMunicipalRiskRatedLoansReceivable" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl" xml:lang="en-US" id="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl">Loans subject to review and validation annually by independent consulting firm as well internal credit review function.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialAndMunicipalRiskRatedLoansReceivable" xlink:to="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl" xlink:title="label: CommercialAndMunicipalRiskRatedLoansReceivable to fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl1" xml:lang="en-US" id="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl1">Commercial And Municipal Risk Rated Loans Receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialAndMunicipalRiskRatedLoansReceivable" xlink:to="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl1" xlink:title="label: CommercialAndMunicipalRiskRatedLoansReceivable to fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl2" xml:lang="en-US" id="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl2">Commercial and municipal risk-rated loans receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialAndMunicipalRiskRatedLoansReceivable" xlink:to="fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl2" xlink:title="label: CommercialAndMunicipalRiskRatedLoansReceivable to fnlc_CommercialAndMunicipalRiskRatedLoansReceivable_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialLoansTypicalLoanToValueRangeLow" xlink:label="ResidentialLoansTypicalLoanToValueRangeLow" xlink:title="ResidentialLoansTypicalLoanToValueRangeLow" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl" xml:lang="en-US" id="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl">The low percentage of loan to value range for residential loans based on current appraisal information.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialLoansTypicalLoanToValueRangeLow" xlink:to="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl" xlink:title="label: ResidentialLoansTypicalLoanToValueRangeLow to fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl1" xml:lang="en-US" id="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl1">Residential Loans Typical Loan To Value Range Low</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialLoansTypicalLoanToValueRangeLow" xlink:to="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl1" xlink:title="label: ResidentialLoansTypicalLoanToValueRangeLow to fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl2" xml:lang="en-US" id="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl2">Residential loans typical loan-to-value range, low (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialLoansTypicalLoanToValueRangeLow" xlink:to="fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl2" xlink:title="label: ResidentialLoansTypicalLoanToValueRangeLow to fnlc_ResidentialLoansTypicalLoanToValueRangeLow_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialLoansTypicalLoanToValueRangeHigh" xlink:label="ResidentialLoansTypicalLoanToValueRangeHigh" xlink:title="ResidentialLoansTypicalLoanToValueRangeHigh" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl" xml:lang="en-US" id="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl">The high percentage of loan to value range for residential loans based on current appraisal information.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialLoansTypicalLoanToValueRangeHigh" xlink:to="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl" xlink:title="label: ResidentialLoansTypicalLoanToValueRangeHigh to fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl1" xml:lang="en-US" id="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl1">Residential Loans Typical Loan To Value Range High</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialLoansTypicalLoanToValueRangeHigh" xlink:to="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl1" xlink:title="label: ResidentialLoansTypicalLoanToValueRangeHigh to fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl2" xml:lang="en-US" id="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl2">Residential loans typical loan-to-value maximum (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialLoansTypicalLoanToValueRangeHigh" xlink:to="fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl2" xlink:title="label: ResidentialLoansTypicalLoanToValueRangeHigh to fnlc_ResidentialLoansTypicalLoanToValueRangeHigh_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow" xlink:label="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow" xlink:title="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl" xml:lang="en-US" id="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl">The low maximum percentage of loan to value for consumer loans based on purchase price of the collateral.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow" xlink:to="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl" xlink:title="label: CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow to fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl1" xml:lang="en-US" id="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl1">Collateralized Consumer Loans To Individuals Loan To Value Maximum Range Low</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow" xlink:to="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl1" xlink:title="label: CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow to fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl2" xml:lang="en-US" id="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl2">Collateralized consumer loans to individuals loan-to-value maximum range, low (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow" xlink:to="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl2" xlink:title="label: CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow to fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh" xlink:label="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh" xlink:title="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl" xml:lang="en-US" id="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl">The high maximum percentage of loan to value for consumer loans based on purchase price of the collateral.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh" xlink:to="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl" xlink:title="label: CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh to fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl1" xml:lang="en-US" id="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl1">Collateralized Consumer Loans To Individuals Loan To Value Maximum Range High</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh" xlink:to="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl1" xlink:title="label: CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh to fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl2" xml:lang="en-US" id="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl2">Collateralized consumer loans to individuals loan-to-value maximum range, high (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh" xlink:to="fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl2" xlink:title="label: CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh to fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus" xlink:label="DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus" xlink:title="DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus" />
    <link:label xlink:type="resource" xlink:label="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl" xml:lang="en-US" id="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl">The minimum amount of days past due at which residential loans are placed on non-accrual status..</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus" xlink:to="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl" xlink:title="label: DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus to fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl1" xml:lang="en-US" id="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl1">Delinquent Period Before Residential Loans Placed On Non Accrual Status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus" xlink:to="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl1" xlink:title="label: DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus to fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl2" xml:lang="en-US" id="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl2">Delinquent period before residential loans placed on non-accrual status (in days)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus" xlink:to="fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl2" xlink:title="label: DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus to fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff" xlink:label="DelinquentPeriodBeforeConsumerLoansChargedOff" xlink:title="DelinquentPeriodBeforeConsumerLoansChargedOff" />
    <link:label xlink:type="resource" xlink:label="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl" xml:lang="en-US" id="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl">The minimum amount of days past due at which loans are considered charged off.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DelinquentPeriodBeforeConsumerLoansChargedOff" xlink:to="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl" xlink:title="label: DelinquentPeriodBeforeConsumerLoansChargedOff to fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl1" xml:lang="en-US" id="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl1">Delinquent period before consumer loans charged off</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DelinquentPeriodBeforeConsumerLoansChargedOff" xlink:to="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl1" xlink:title="label: DelinquentPeriodBeforeConsumerLoansChargedOff to fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl2" xml:lang="en-US" id="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl2">Delinquent period before consumer loans charged off (in days)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DelinquentPeriodBeforeConsumerLoansChargedOff" xlink:to="fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl2" xlink:title="label: DelinquentPeriodBeforeConsumerLoansChargedOff to fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months" xlink:label="FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months" xlink:title="FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl">The number of financing receivables greater than 30 days past due that have been modified by troubled debt restructurings and that have been placed in the TDR status in the previous 12 months.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months" xlink:to="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl" xlink:title="label: FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months to fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl1">Financing Receivable Modifications Number Of Contracts Greater Than30 Days Past Due Place In T D R In Previous12 Months</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months" xlink:to="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl1" xlink:title="label: FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months to fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl2" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl2">Number of TDR loans past due</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months" xlink:to="fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl2" xlink:title="label: FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months to fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod" xlink:label="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod" xlink:title="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod" />
    <link:label xlink:type="resource" xlink:label="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl" xml:lang="en-US" id="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl">Specific allowance for loan and lease losses on receivable financings that are classified as troubled debt restructurings during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod" xlink:to="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl" xlink:title="label: TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod to fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl1" xml:lang="en-US" id="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl1">Troubled Debt Restructuring, Loans and Leases Receivable, Specific Allowance During Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod" xlink:to="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl1" xlink:title="label: TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod to fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl2" xml:lang="en-US" id="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl2">Specific reserves for total TDR loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod" xlink:to="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl2" xlink:title="label: TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod to fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DaysPastDuePlacedInTDRInPrevious12Months" xlink:label="DaysPastDuePlacedInTDRInPrevious12Months" xlink:title="DaysPastDuePlacedInTDRInPrevious12Months" />
    <link:label xlink:type="resource" xlink:label="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl" xml:lang="en-US" id="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl">Specific allowance for loan and lease losses on receivable financings greater 30 days past due that are classified as troubled debt restructurings during the period and that had been placed in TDR status in the previous 12 months.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DaysPastDuePlacedInTDRInPrevious12Months" xlink:to="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl" xlink:title="label: DaysPastDuePlacedInTDRInPrevious12Months to fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl1" xml:lang="en-US" id="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl1">Days Past Due Placed In T D R In Previous12 Months</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DaysPastDuePlacedInTDRInPrevious12Months" xlink:to="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl1" xlink:title="label: DaysPastDuePlacedInTDRInPrevious12Months to fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl2" xml:lang="en-US" id="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl2">Specific reserves for past due TDR loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DaysPastDuePlacedInTDRInPrevious12Months" xlink:to="fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl2" xlink:title="label: DaysPastDuePlacedInTDRInPrevious12Months to fnlc_DaysPastDuePlacedInTDRInPrevious12Months_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod" xlink:label="FinancingReceivableModificationsNumberOfContractsDuringPeriod" xlink:title="FinancingReceivableModificationsNumberOfContractsDuringPeriod" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl">The number of financing receivables that have been modified by troubled debt restructurings during the current period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsNumberOfContractsDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl" xlink:title="label: FinancingReceivableModificationsNumberOfContractsDuringPeriod to fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl1">Financing Receivable Modifications Number Of Contracts During Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsNumberOfContractsDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl1" xlink:title="label: FinancingReceivableModificationsNumberOfContractsDuringPeriod to fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl2" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl2">Number of TDR loans - current period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsNumberOfContractsDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl2" xlink:title="label: FinancingReceivableModificationsNumberOfContractsDuringPeriod to fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" xlink:label="FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" xlink:title="FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl">The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings before the financing receivable has been modified during the current period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl" xlink:title="label: FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod to fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl1">Financing Receivable Modifications Pre Modification Recorded Investment During Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl1" xlink:title="label: FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod to fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl2" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl2">Pre-modification outstanding recorded investment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl2" xlink:title="label: FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod to fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" xlink:label="FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" xlink:title="FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl">The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings after the financing receivable has been modified during the current period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl" xlink:title="label: FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod to fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl1">Financing Receivable Modifications Post Modification Recorded Investment During Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl1" xlink:title="label: FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod to fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl2" xml:lang="en-US" id="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl2">Post-modification outstanding recorded investment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod" xlink:to="fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl2" xlink:title="label: FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod to fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod" xlink:label="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod" xlink:title="TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod" />
    <link:label xlink:type="resource" xlink:label="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod_lbl" xml:lang="en-US" id="fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod_lbl">Specific allowance for loan and lease losses on receivable financings that are classified as troubled debt restructurings during the current period.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months" xlink:label="FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months" xlink:title="FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months" xlink:label="FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months" xlink:title="FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy" xlink:label="FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy" xlink:title="FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy" xlink:label="FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy" xlink:title="FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus" xlink:label="FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus" xlink:title="FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus" />
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    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl1">Financing Receivable Number Of Loans Classified As Troubled Debt Restructurings That Were On Non Accrual Status</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl2" xml:lang="en-US" id="fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl2">Number of loans classified as troubled debt restructurings that were on non-accrual status</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus" xlink:label="FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus" xlink:title="FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus" />
    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl" xml:lang="en-US" id="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl">Carrying amount of loans classified as troubled debt restructurings that were on non-accrual status as of the balance sheet date.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl1" xml:lang="en-US" id="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl1">Financing Receivable Loans Classified As Troubled Debt Restructurings That Were On Non Accrual Status</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl2" xml:lang="en-US" id="fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus_lbl2">Loans classified as troubled debt restructurings and that were on non-accrual status</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure" xlink:label="NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure" xlink:title="NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl" xml:lang="en-US" id="fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl">The number of loans classified as troubled debt restructurings that are involved in foreclosure as of the balance sheet date.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1" xml:lang="en-US" id="fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1">Number Of Loans Classified As Troubled Debt Restructurings That Are Involved In Foreclosure</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure" xlink:label="LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure" xlink:title="LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl" xml:lang="en-US" id="fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl">Loans classified as troubled debt restructurings that are involved in foreclosure as of the balance sheet date.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1" xml:lang="en-US" id="fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1">Loans Classified As Troubled Debt Restructurings That Are Involved In Foreclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure" xlink:to="fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1" xlink:title="label: LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure to fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CommercialRealEstateLoansMaximumLoanToValue" xlink:label="CommercialRealEstateLoansMaximumLoanToValue" xlink:title="CommercialRealEstateLoansMaximumLoanToValue" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl" xml:lang="en-US" id="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl">The maximum percentage of loan to value for commercial real estate loans based on current appraisal information.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl1" xml:lang="en-US" id="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl1">Commercial Real Estate Loans Maximum Loan To Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialRealEstateLoansMaximumLoanToValue" xlink:to="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl1" xlink:title="label: CommercialRealEstateLoansMaximumLoanToValue to fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl2" xml:lang="en-US" id="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl2">Commercial real estate loans maximum loan-to-value (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialRealEstateLoansMaximumLoanToValue" xlink:to="fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl2" xlink:title="label: CommercialRealEstateLoansMaximumLoanToValue to fnlc_CommercialRealEstateLoansMaximumLoanToValue_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital" xlink:label="ConstructionLoansActualLoanPortfolioToCompanyCapital" xlink:title="ConstructionLoansActualLoanPortfolioToCompanyCapital" />
    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl" xml:lang="en-US" id="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl">The ratio of loan portfolio to Company capital for construction loans .</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl1" xml:lang="en-US" id="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl1">Construction Loans Actual Loan Portfolio To Company Capital</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConstructionLoansActualLoanPortfolioToCompanyCapital" xlink:to="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl1" xlink:title="label: ConstructionLoansActualLoanPortfolioToCompanyCapital to fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl2" xml:lang="en-US" id="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl2">Construction loans actual loan portfolio-to-Company capital (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConstructionLoansActualLoanPortfolioToCompanyCapital" xlink:to="fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl2" xlink:title="label: ConstructionLoansActualLoanPortfolioToCompanyCapital to fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital" xlink:label="ConstructionLoanPortfolioMaximumToCompanyCapital" xlink:title="ConstructionLoanPortfolioMaximumToCompanyCapital" />
    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl" xml:lang="en-US" id="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl">The regulatory maximum allowed ratio of loan portfolio to Company capital for construction loans.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl1" xml:lang="en-US" id="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl1">Construction Loan Portfolio Maximum To Company Capital</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConstructionLoanPortfolioMaximumToCompanyCapital" xlink:to="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl1" xlink:title="label: ConstructionLoanPortfolioMaximumToCompanyCapital to fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl1" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConstructionLoanPortfolioMaximumToCompanyCapital" xlink:to="fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl2" xlink:title="label: ConstructionLoanPortfolioMaximumToCompanyCapital to fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital" xlink:label="ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital" xlink:title="ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital" />
    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital_lbl" xml:lang="en-US" id="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital_lbl">The actual ratio of loan amount to Company capital for construction and non-owner-occupied commercial real estate.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital_lbl1" xml:lang="en-US" id="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital_lbl1">Construction And Non Owner Occupied Commercial Real Estate Loans Portfolio To Company Capital</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial" xlink:label="ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial" xlink:title="ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial" />
    <link:label xlink:type="resource" xlink:label="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial_lbl" xml:lang="en-US" id="fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial_lbl">The regulatory maximum allowed ratio of loan portfolio to Company capital for construction and non-owner-occupied commercial real estate.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_OutstandingLoansAndCommitmentsSubjectByIndependentConsultingFirm" xlink:label="OutstandingLoansAndCommitmentsSubjectByIndependentConsultingFirm" xlink:title="OutstandingLoansAndCommitmentsSubjectByIndependentConsultingFirm" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_OtherRealEstateOwnedTableTextBlock" xlink:label="OtherRealEstateOwnedTableTextBlock" xlink:title="OtherRealEstateOwnedTableTextBlock" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ChangeInAllowanceForLossesFromOtherRealEstateOwnedTableTextBlock" xlink:to="fnlc_ChangeInAllowanceForLossesFromOtherRealEstateOwnedTableTextBlock_lbl" xlink:title="label: ChangeInAllowanceForLossesFromOtherRealEstateOwnedTableTextBlock to fnlc_ChangeInAllowanceForLossesFromOtherRealEstateOwnedTableTextBlock_lbl" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SummaryOtherRealEstateOwnedAbstract" xlink:label="SummaryOtherRealEstateOwnedAbstract" xlink:title="SummaryOtherRealEstateOwnedAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SummaryOtherRealEstateOwnedAbstract" xlink:to="fnlc_SummaryOtherRealEstateOwnedAbstract_lbl2" xlink:title="label: SummaryOtherRealEstateOwnedAbstract to fnlc_SummaryOtherRealEstateOwnedAbstract_lbl2" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities" xlink:label="DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities" xlink:title="DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LimitedPartnershipsAbstract" xlink:label="LimitedPartnershipsAbstract" xlink:title="LimitedPartnershipsAbstract" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitedPartnershipsAbstract" xlink:to="fnlc_LimitedPartnershipsAbstract_lbl1" xlink:title="label: LimitedPartnershipsAbstract to fnlc_LimitedPartnershipsAbstract_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitedPartnershipsAbstract_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_LimitedPartnershipsAbstract_lbl2" xml:lang="en-US" id="fnlc_LimitedPartnershipsAbstract_lbl2">Limited partnerships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitedPartnershipsAbstract" xlink:to="fnlc_LimitedPartnershipsAbstract_lbl2" xlink:title="label: LimitedPartnershipsAbstract to fnlc_LimitedPartnershipsAbstract_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LimitedPartnershipsHeldAsInvestments" xlink:label="LimitedPartnershipsHeldAsInvestments" xlink:title="LimitedPartnershipsHeldAsInvestments" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitedPartnershipsHeldAsInvestments_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LimitedPartnershipsHeldAsInvestments_lbl" xml:lang="en-US" id="fnlc_LimitedPartnershipsHeldAsInvestments_lbl">The number of limited partnerships held as investments at period end.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitedPartnershipsHeldAsInvestments" xlink:to="fnlc_LimitedPartnershipsHeldAsInvestments_lbl" xlink:title="label: LimitedPartnershipsHeldAsInvestments to fnlc_LimitedPartnershipsHeldAsInvestments_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitedPartnershipsHeldAsInvestments_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LimitedPartnershipsHeldAsInvestments_lbl1" xml:lang="en-US" id="fnlc_LimitedPartnershipsHeldAsInvestments_lbl1">Limited partnerships held as investments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitedPartnershipsHeldAsInvestments" xlink:to="fnlc_LimitedPartnershipsHeldAsInvestments_lbl1" xlink:title="label: LimitedPartnershipsHeldAsInvestments to fnlc_LimitedPartnershipsHeldAsInvestments_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount" xlink:label="LimitedPartnershipEntityEntityMaximumLossExposureAmount" xlink:title="LimitedPartnershipEntityEntityMaximumLossExposureAmount" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl" xml:lang="en-US" id="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl">The reporting entity's maximum amount of exposure to loss as a result of its involvement with the Limited Partnership (LP).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitedPartnershipEntityEntityMaximumLossExposureAmount" xlink:to="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl" xlink:title="label: LimitedPartnershipEntityEntityMaximumLossExposureAmount to fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl1" xml:lang="en-US" id="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl1">Limited Partnership Entity Entity Maximum Loss Exposure Amount</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitedPartnershipEntityEntityMaximumLossExposureAmount" xlink:to="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl1" xlink:title="label: LimitedPartnershipEntityEntityMaximumLossExposureAmount to fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl2" xml:lang="en-US" id="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl2">Total exposure to limited partnerships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitedPartnershipEntityEntityMaximumLossExposureAmount" xlink:to="fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl2" xlink:title="label: LimitedPartnershipEntityEntityMaximumLossExposureAmount to fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_InvestmentInFlowThroughEntities" xlink:label="InvestmentInFlowThroughEntities" xlink:title="InvestmentInFlowThroughEntities" />
    <link:label xlink:type="resource" xlink:label="fnlc_InvestmentInFlowThroughEntities_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_InvestmentInFlowThroughEntities_lbl" xml:lang="en-US" id="fnlc_InvestmentInFlowThroughEntities_lbl">Amount related to deferred tax from investment in flow through entities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInFlowThroughEntities" xlink:to="fnlc_InvestmentInFlowThroughEntities_lbl" xlink:title="label: InvestmentInFlowThroughEntities to fnlc_InvestmentInFlowThroughEntities_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_InvestmentInFlowThroughEntities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_InvestmentInFlowThroughEntities_lbl1" xml:lang="en-US" id="fnlc_InvestmentInFlowThroughEntities_lbl1">Investment in flow through entities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InvestmentInFlowThroughEntities" xlink:to="fnlc_InvestmentInFlowThroughEntities_lbl1" xlink:title="label: InvestmentInFlowThroughEntities to fnlc_InvestmentInFlowThroughEntities_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DeferredTaxPrepaidExpenses" xlink:label="DeferredTaxPrepaidExpenses" xlink:title="DeferredTaxPrepaidExpenses" />
    <link:label xlink:type="resource" xlink:label="fnlc_DeferredTaxPrepaidExpenses_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_DeferredTaxPrepaidExpenses_lbl" xml:lang="en-US" id="fnlc_DeferredTaxPrepaidExpenses_lbl">Deferred tax on prepaid expense.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxPrepaidExpenses" xlink:to="fnlc_DeferredTaxPrepaidExpenses_lbl" xlink:title="label: DeferredTaxPrepaidExpenses to fnlc_DeferredTaxPrepaidExpenses_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_DeferredTaxPrepaidExpenses_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DeferredTaxPrepaidExpenses_lbl1" xml:lang="en-US" id="fnlc_DeferredTaxPrepaidExpenses_lbl1">Deferred Tax prepaid Expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxPrepaidExpenses" xlink:to="fnlc_DeferredTaxPrepaidExpenses_lbl1" xlink:title="label: DeferredTaxPrepaidExpenses to fnlc_DeferredTaxPrepaidExpenses_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_DeferredTaxPrepaidExpenses_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_DeferredTaxPrepaidExpenses_lbl2" xml:lang="en-US" id="fnlc_DeferredTaxPrepaidExpenses_lbl2">Prepaid expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxPrepaidExpenses" xlink:to="fnlc_DeferredTaxPrepaidExpenses_lbl2" xlink:title="label: DeferredTaxPrepaidExpenses to fnlc_DeferredTaxPrepaidExpenses_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale" xlink:label="DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale" xlink:title="DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale" />
    <link:label xlink:type="resource" xlink:label="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl" xml:lang="en-US" id="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl">The tax effect as of the balance sheet date of the amount of the estimated future tax deductions, before any related valuation allowance, arising from unrealized losses on available-for-sale securities which can only be deducted for tax purposes when the losses are realized, and which can only be realized if sufficient tax-basis income is generated in future periods to enable the deduction to be taken.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale" xlink:to="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl" xlink:title="label: DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale to fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl1" xml:lang="en-US" id="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl1">Deferred Tax Unrealized gain on securities available for sale</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale" xlink:to="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl1" xlink:title="label: DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale to fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl2" xml:lang="en-US" id="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl2">Unrealized gain on securities available for sale</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale" xlink:to="fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl2" xlink:title="label: DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale to fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TimeDepositsTableTextBlock" xlink:label="TimeDepositsTableTextBlock" xlink:title="TimeDepositsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDepositsTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TimeDepositsTableTextBlock_lbl" xml:lang="en-US" id="fnlc_TimeDepositsTableTextBlock_lbl">The tabular disclosure of the breakdown of the balance of time deposits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsTableTextBlock" xlink:to="fnlc_TimeDepositsTableTextBlock_lbl" xlink:title="label: TimeDepositsTableTextBlock to fnlc_TimeDepositsTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDepositsTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TimeDepositsTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_TimeDepositsTableTextBlock_lbl1">Time Deposits [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsTableTextBlock" xlink:to="fnlc_TimeDepositsTableTextBlock_lbl1" xlink:title="label: TimeDepositsTableTextBlock to fnlc_TimeDepositsTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDepositsTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_TimeDepositsTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_TimeDepositsTableTextBlock_lbl2">Certificates of deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsTableTextBlock" xlink:to="fnlc_TimeDepositsTableTextBlock_lbl2" xlink:title="label: TimeDepositsTableTextBlock to fnlc_TimeDepositsTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:label="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:title="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl">The tabular disclosure of the contractual maturities of time deposits.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:to="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl" xlink:title="label: ScheduleOfMaturitiesOfTimeDepositsTableTextBlock to fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl1">Schedule Of Maturities Of Time Deposits [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:to="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl1" xlink:title="label: ScheduleOfMaturitiesOfTimeDepositsTableTextBlock to fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl2">Maturities of certificates of deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfMaturitiesOfTimeDepositsTableTextBlock" xlink:to="fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl2" xlink:title="label: ScheduleOfMaturitiesOfTimeDepositsTableTextBlock to fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TimeDepositsGreaterThan100000AndLessThan250000" xlink:label="TimeDepositsGreaterThan100000AndLessThan250000" xlink:title="TimeDepositsGreaterThan100000AndLessThan250000" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl" xml:lang="en-US" id="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl">The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to more than $100,000 but less than $250,000.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsGreaterThan100000AndLessThan250000" xlink:to="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl" xlink:title="label: TimeDepositsGreaterThan100000AndLessThan250000 to fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl1" xml:lang="en-US" id="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl1">Time Deposits Greater Than 100000 And Less Than 250000</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsGreaterThan100000AndLessThan250000" xlink:to="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl1" xlink:title="label: TimeDepositsGreaterThan100000AndLessThan250000 to fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl2" xml:lang="en-US" id="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl2">Certificates $100,000 to $250,000</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDepositsGreaterThan100000AndLessThan250000" xlink:to="fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl2" xlink:title="label: TimeDepositsGreaterThan100000AndLessThan250000 to fnlc_TimeDepositsGreaterThan100000AndLessThan250000_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TimeDeposits250000OrMore" xlink:label="TimeDeposits250000OrMore" xlink:title="TimeDeposits250000OrMore" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDeposits250000OrMore_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TimeDeposits250000OrMore_lbl" xml:lang="en-US" id="fnlc_TimeDeposits250000OrMore_lbl">The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to more than $250,000.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="fnlc_TimeDeposits250000OrMore_lbl" xlink:title="label: TimeDeposits250000OrMore to fnlc_TimeDeposits250000OrMore_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDeposits250000OrMore_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TimeDeposits250000OrMore_lbl1" xml:lang="en-US" id="fnlc_TimeDeposits250000OrMore_lbl1">Time Deposits 250000 Or More</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="fnlc_TimeDeposits250000OrMore_lbl1" xlink:title="label: TimeDeposits250000OrMore to fnlc_TimeDeposits250000OrMore_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_TimeDeposits250000OrMore_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_TimeDeposits250000OrMore_lbl2" xml:lang="en-US" id="fnlc_TimeDeposits250000OrMore_lbl2">Certificates $250,000 and over</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TimeDeposits250000OrMore" xlink:to="fnlc_TimeDeposits250000OrMore_lbl2" xlink:title="label: TimeDeposits250000OrMore to fnlc_TimeDeposits250000OrMore_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MaturitiesOfCertificatesOfDepositTable" xlink:label="MaturitiesOfCertificatesOfDepositTable" xlink:title="MaturitiesOfCertificatesOfDepositTable" />
    <link:label xlink:type="resource" xlink:label="fnlc_MaturitiesOfCertificatesOfDepositTable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MaturitiesOfCertificatesOfDepositTable_lbl1" xml:lang="en-US" id="fnlc_MaturitiesOfCertificatesOfDepositTable_lbl1">Maturities Of Certificates Of Deposit [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturitiesOfCertificatesOfDepositTable" xlink:to="fnlc_MaturitiesOfCertificatesOfDepositTable_lbl1" xlink:title="label: MaturitiesOfCertificatesOfDepositTable to fnlc_MaturitiesOfCertificatesOfDepositTable_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis" xlink:label="MaturitiesOfCertificatesOfDepositsByBalanceAxis" xlink:title="MaturitiesOfCertificatesOfDepositsByBalanceAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl" xml:lang="en-US" id="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl">The disclosure of maturities of time deposits by stated value.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturitiesOfCertificatesOfDepositsByBalanceAxis" xlink:to="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl" xlink:title="label: MaturitiesOfCertificatesOfDepositsByBalanceAxis to fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl1" xml:lang="en-US" id="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl1">Maturities Of Certificates Of Deposits By Balance [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturitiesOfCertificatesOfDepositsByBalanceAxis" xlink:to="fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl1" xlink:title="label: MaturitiesOfCertificatesOfDepositsByBalanceAxis to fnlc_MaturitiesOfCertificatesOfDepositsByBalanceAxis_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MaturityOfCertificatesOfDepositByBalanceDomain" xlink:label="MaturityOfCertificatesOfDepositByBalanceDomain" xlink:title="MaturityOfCertificatesOfDepositByBalanceDomain" />
    <link:label xlink:type="resource" xlink:label="fnlc_MaturityOfCertificatesOfDepositByBalanceDomain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MaturityOfCertificatesOfDepositByBalanceDomain_lbl1" xml:lang="en-US" id="fnlc_MaturityOfCertificatesOfDepositByBalanceDomain_lbl1">Maturity Of Certificates Of Deposit By Balance [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturityOfCertificatesOfDepositByBalanceDomain" xlink:to="fnlc_MaturityOfCertificatesOfDepositByBalanceDomain_lbl1" xlink:title="label: MaturityOfCertificatesOfDepositByBalanceDomain to fnlc_MaturityOfCertificatesOfDepositByBalanceDomain_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LessThan100000Member" xlink:label="LessThan100000Member" xlink:title="LessThan100000Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_LessThan100000Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LessThan100000Member_lbl1" xml:lang="en-US" id="fnlc_LessThan100000Member_lbl1">Less Than $100,000 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LessThan100000Member" xlink:to="fnlc_LessThan100000Member_lbl1" xlink:title="label: LessThan100000Member to fnlc_LessThan100000Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_GreaterThan100000ButLessThan250000Member" xlink:label="GreaterThan100000ButLessThan250000Member" xlink:title="GreaterThan100000ButLessThan250000Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_GreaterThan100000ButLessThan250000Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_GreaterThan100000ButLessThan250000Member_lbl1" xml:lang="en-US" id="fnlc_GreaterThan100000ButLessThan250000Member_lbl1">Greater Than $100,000 But Less Than $250,000 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GreaterThan100000ButLessThan250000Member" xlink:to="fnlc_GreaterThan100000ButLessThan250000Member_lbl1" xlink:title="label: GreaterThan100000ButLessThan250000Member to fnlc_GreaterThan100000ButLessThan250000Member_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MaturitiesOfCertificatesOfDepositLineItems" xlink:label="MaturitiesOfCertificatesOfDepositLineItems" xlink:title="MaturitiesOfCertificatesOfDepositLineItems" />
    <link:label xlink:type="resource" xlink:label="fnlc_MaturitiesOfCertificatesOfDepositLineItems_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MaturitiesOfCertificatesOfDepositLineItems_lbl1" xml:lang="en-US" id="fnlc_MaturitiesOfCertificatesOfDepositLineItems_lbl1">Maturities Of Certificates Of Deposit [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MaturitiesOfCertificatesOfDepositLineItems" xlink:to="fnlc_MaturitiesOfCertificatesOfDepositLineItems_lbl1" xlink:title="label: MaturitiesOfCertificatesOfDepositLineItems to fnlc_MaturitiesOfCertificatesOfDepositLineItems_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BankAcquisitionsFromCamdenNationalBankMember" xlink:label="BankAcquisitionsFromCamdenNationalBankMember" xlink:title="BankAcquisitionsFromCamdenNationalBankMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl" xml:lang="en-US" id="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl">Represents the purchase of a branch at 63 Union Street in Rockland, Maine and a full-service bank building at 145 Exchange Street in Bangor, Maine from Camden National Bank.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankAcquisitionsFromCamdenNationalBankMember" xlink:to="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl" xlink:title="label: BankAcquisitionsFromCamdenNationalBankMember to fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl1" xml:lang="en-US" id="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl1">Bank Acquisitions From Camden National Bank [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BankAcquisitionsFromCamdenNationalBankMember" xlink:to="fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl1" xlink:title="label: BankAcquisitionsFromCamdenNationalBankMember to fnlc_BankAcquisitionsFromCamdenNationalBankMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits" xlink:label="BusinessCombinationRecognizedLiabilitiesAssumedDeposits" xlink:title="BusinessCombinationRecognizedLiabilitiesAssumedDeposits" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl" xml:lang="en-US" id="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl">The amount of financial liabilities assumed, deposits which have been recognized as of the acquisition date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedLiabilitiesAssumedDeposits" xlink:to="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl" xlink:title="label: BusinessCombinationRecognizedLiabilitiesAssumedDeposits to fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl1" xml:lang="en-US" id="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl1">Business Combination Recognized Liabilities Assumed Deposits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedLiabilitiesAssumedDeposits" xlink:to="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl1" xlink:title="label: BusinessCombinationRecognizedLiabilitiesAssumedDeposits to fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl2" xml:lang="en-US" id="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl2">Deposit liabilities assumed in acquisition</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationRecognizedLiabilitiesAssumedDeposits" xlink:to="fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl2" xlink:title="label: BusinessCombinationRecognizedLiabilitiesAssumedDeposits to fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash" xlink:label="BusinessCombinationFairValueOfIdentifiableAssetsCash" xlink:title="BusinessCombinationFairValueOfIdentifiableAssetsCash" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl" xml:lang="en-US" id="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl">The amount of fair value of identifiable cash, recognized as of the acquisition date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationFairValueOfIdentifiableAssetsCash" xlink:to="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl" xlink:title="label: BusinessCombinationFairValueOfIdentifiableAssetsCash to fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl1" xml:lang="en-US" id="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl1">Business Combination Fair Value Of Identifiable Assets Cash</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationFairValueOfIdentifiableAssetsCash" xlink:to="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl1" xlink:title="label: BusinessCombinationFairValueOfIdentifiableAssetsCash to fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl2" xml:lang="en-US" id="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl2">Cash</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationFairValueOfIdentifiableAssetsCash" xlink:to="fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl2" xlink:title="label: BusinessCombinationFairValueOfIdentifiableAssetsCash to fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets" xlink:label="BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets" xlink:title="BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl" xml:lang="en-US" id="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl">The amount of fair value of identifiable accrued interest receivable and other assets, recognized as of the acquisition date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets" xlink:to="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl" xlink:title="label: BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets to fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl1" xml:lang="en-US" id="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl1">Business Combination Fair Value Of Identifiable Accrued and Other Assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets" xlink:to="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl1" xlink:title="label: BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets to fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl2" xml:lang="en-US" id="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl2">Accrued interest receivable and other assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets" xlink:to="fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl2" xlink:title="label: BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets to fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessCombinationPurchasePremium" xlink:label="BusinessCombinationPurchasePremium" xlink:title="BusinessCombinationPurchasePremium" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationPurchasePremium_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessCombinationPurchasePremium_lbl" xml:lang="en-US" id="fnlc_BusinessCombinationPurchasePremium_lbl">The premium paid to acquire an entity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationPurchasePremium" xlink:to="fnlc_BusinessCombinationPurchasePremium_lbl" xlink:title="label: BusinessCombinationPurchasePremium to fnlc_BusinessCombinationPurchasePremium_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessCombinationPurchasePremium_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BusinessCombinationPurchasePremium_lbl1" xml:lang="en-US" id="fnlc_BusinessCombinationPurchasePremium_lbl1">Business combination purchase premium</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessCombinationPurchasePremium" xlink:to="fnlc_BusinessCombinationPurchasePremium_lbl1" xlink:title="label: BusinessCombinationPurchasePremium to fnlc_BusinessCombinationPurchasePremium_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessAcquisitionsProFormaInterestIncome" xlink:label="BusinessAcquisitionsProFormaInterestIncome" xlink:title="BusinessAcquisitionsProFormaInterestIncome" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl">The pro forma interest revenue for a period as if the business combination or combinations had been completed at the beginning of the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestIncome" xlink:to="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl" xlink:title="label: BusinessAcquisitionsProFormaInterestIncome to fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl1" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl1">Business acquisitions pro forma interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestIncome" xlink:to="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl1" xlink:title="label: BusinessAcquisitionsProFormaInterestIncome to fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl2" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl2">Interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestIncome" xlink:to="fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl2" xlink:title="label: BusinessAcquisitionsProFormaInterestIncome to fnlc_BusinessAcquisitionsProFormaInterestIncome_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessAcquisitionsProFormaInterestExpense" xlink:label="BusinessAcquisitionsProFormaInterestExpense" xlink:title="BusinessAcquisitionsProFormaInterestExpense" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl">The pro forma interest expense for a period as if the business combination or combinations had been completed at the beginning of the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestExpense" xlink:to="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl" xlink:title="label: BusinessAcquisitionsProFormaInterestExpense to fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl1" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl1">Business Acquisitions Pro Forma Interest Expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestExpense" xlink:to="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl1" xlink:title="label: BusinessAcquisitionsProFormaInterestExpense to fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl2" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl2">Interest expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaInterestExpense" xlink:to="fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl2" xlink:title="label: BusinessAcquisitionsProFormaInterestExpense to fnlc_BusinessAcquisitionsProFormaInterestExpense_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ProFormaInterestIncomeExpenseNet" xlink:label="ProFormaInterestIncomeExpenseNet" xlink:title="ProFormaInterestIncomeExpenseNet" />
    <link:label xlink:type="resource" xlink:label="fnlc_ProFormaInterestIncomeExpenseNet_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ProFormaInterestIncomeExpenseNet_lbl" xml:lang="en-US" id="fnlc_ProFormaInterestIncomeExpenseNet_lbl">The pro forma net amount of operating income (expense) for a period as if the business combination or combinations had been completed at the beginning of the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProFormaInterestIncomeExpenseNet" xlink:to="fnlc_ProFormaInterestIncomeExpenseNet_lbl" xlink:title="label: ProFormaInterestIncomeExpenseNet to fnlc_ProFormaInterestIncomeExpenseNet_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ProFormaInterestIncomeExpenseNet_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ProFormaInterestIncomeExpenseNet_lbl1" xml:lang="en-US" id="fnlc_ProFormaInterestIncomeExpenseNet_lbl1">Pro forma Interest Income Expense Net</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProFormaInterestIncomeExpenseNet" xlink:to="fnlc_ProFormaInterestIncomeExpenseNet_lbl1" xlink:title="label: ProFormaInterestIncomeExpenseNet to fnlc_ProFormaInterestIncomeExpenseNet_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ProFormaInterestIncomeExpenseNet_lbl2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="fnlc_ProFormaInterestIncomeExpenseNet_lbl2" xml:lang="en-US" id="fnlc_ProFormaInterestIncomeExpenseNet_lbl2">Net interest income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProFormaInterestIncomeExpenseNet" xlink:to="fnlc_ProFormaInterestIncomeExpenseNet_lbl2" xlink:title="label: ProFormaInterestIncomeExpenseNet to fnlc_ProFormaInterestIncomeExpenseNet_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessAcquisitionsProFormaNonInterestIncome" xlink:label="BusinessAcquisitionsProFormaNonInterestIncome" xlink:title="BusinessAcquisitionsProFormaNonInterestIncome" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaNonInterestIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessAcquisitionsProFormaNonInterestIncome_lbl" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaNonInterestIncome_lbl">The pro forma non-interest revenue for a period as if the business combination or combinations had been completed at the beginning of the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BusinessAcquisitionsProFormaNonInterestIncome" xlink:to="fnlc_BusinessAcquisitionsProFormaNonInterestIncome_lbl" xlink:title="label: BusinessAcquisitionsProFormaNonInterestIncome to fnlc_BusinessAcquisitionsProFormaNonInterestIncome_lbl" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessAcquisitionsProFormaNonInterestExpense" xlink:label="BusinessAcquisitionsProFormaNonInterestExpense" xlink:title="BusinessAcquisitionsProFormaNonInterestExpense" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaNonInterestExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessAcquisitionsProFormaNonInterestExpense_lbl" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaNonInterestExpense_lbl">The pro forma non-interest expense for a period as if the business combination or combinations had been completed at the beginning of the period.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessAcquisitionsProFormaIncomeLossBeforeTax" xlink:label="BusinessAcquisitionsProFormaIncomeLossBeforeTax" xlink:title="BusinessAcquisitionsProFormaIncomeLossBeforeTax" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BusinessAcquisitionsProFormaTaxEffect" xlink:label="BusinessAcquisitionsProFormaTaxEffect" xlink:title="BusinessAcquisitionsProFormaTaxEffect" />
    <link:label xlink:type="resource" xlink:label="fnlc_BusinessAcquisitionsProFormaTaxEffect_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_BusinessAcquisitionsProFormaTaxEffect_lbl" xml:lang="en-US" id="fnlc_BusinessAcquisitionsProFormaTaxEffect_lbl">The pro forma sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FnbBanksharesMember" xlink:label="FnbBanksharesMember" xlink:title="FnbBanksharesMember" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FnbBanksharesMember" xlink:to="fnlc_FnbBanksharesMember_lbl" xlink:title="label: FnbBanksharesMember to fnlc_FnbBanksharesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FnbBanksharesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FnbBanksharesMember_lbl1" xml:lang="en-US" id="fnlc_FnbBanksharesMember_lbl1">FNB Bankshares [Member]</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AcquisitionIn2001Member" xlink:label="AcquisitionIn2001Member" xlink:title="AcquisitionIn2001Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_AcquisitionIn2001Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AcquisitionIn2001Member_lbl" xml:lang="en-US" id="fnlc_AcquisitionIn2001Member_lbl">Represents a minor transaction executed in 2001.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_BorrowedFundsAbstract" xlink:label="BorrowedFundsAbstract" xlink:title="BorrowedFundsAbstract" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock" xlink:label="ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock" xlink:title="ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock_lbl">Tabular disclosure of the combined aggregate amount of maturities and range of interest rates of advances for each of the five years and thereafter following the date of the latest balance sheet date presented.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock_lbl1">Schedule of borrowed funds of maturities and range of interest rates [Table Text Block]</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements" xlink:label="TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements" xlink:title="TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements" />
    <link:label xlink:type="resource" xlink:label="fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements_lbl" xml:lang="en-US" id="fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements_lbl">Represents the aggregate dollar amount of all future maturities of advances from the Federal Home Loan Bank, treasury tax and loan notes and securities sold under repurchase agreements as of balance sheet date.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange" xlink:label="SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange" xlink:title="SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange" />
    <link:label xlink:type="resource" xlink:label="fnlc_SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange_lbl" xml:lang="en-US" id="fnlc_SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange_lbl">Represents the range of interest rates from lowest to highest that are applicable to securities sold under agreement to repurchase with municipal and commercial customers.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LineOfCreditWithCorrespondentBanks" xlink:label="LineOfCreditWithCorrespondentBanks" xlink:title="LineOfCreditWithCorrespondentBanks" />
    <link:label xlink:type="resource" xlink:label="fnlc_LineOfCreditWithCorrespondentBanks_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LineOfCreditWithCorrespondentBanks_lbl" xml:lang="en-US" id="fnlc_LineOfCreditWithCorrespondentBanks_lbl">Borrowing capacity under the credit lines established with correspondent banks.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_LineOfCreditWithCorrespondentBanks_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LineOfCreditWithCorrespondentBanks_lbl1" xml:lang="en-US" id="fnlc_LineOfCreditWithCorrespondentBanks_lbl1">Line Of Credit With Correspondent Banks</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_LineOfCreditWithCorrespondentBanks_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_LineOfCreditWithCorrespondentBanks_lbl2" xml:lang="en-US" id="fnlc_LineOfCreditWithCorrespondentBanks_lbl2">Amount of Line of credit with correspondent banks</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CreditFacilityWithFederalReserveBankOfBoston" xlink:label="CreditFacilityWithFederalReserveBankOfBoston" xlink:title="CreditFacilityWithFederalReserveBankOfBoston" />
    <link:label xlink:type="resource" xlink:label="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl" xml:lang="en-US" id="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl">Maximum borrowing capacity under the credit facility with Federal Reserve Bank of Boston using commercial and home equity loans as collateral.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CreditFacilityWithFederalReserveBankOfBoston" xlink:to="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl" xlink:title="label: CreditFacilityWithFederalReserveBankOfBoston to fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl1" xml:lang="en-US" id="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl1">Credit Facility With Federal Reserve Bank Of Boston</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl2" xml:lang="en-US" id="fnlc_CreditFacilityWithFederalReserveBankOfBoston_lbl2">Credit facility with Federal Reserve Bank</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TreasuryTaxLoanNotesAbstract" xlink:label="TreasuryTaxLoanNotesAbstract" xlink:title="TreasuryTaxLoanNotesAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_TreasuryTaxLoanNotesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TreasuryTaxLoanNotesAbstract_lbl1" xml:lang="en-US" id="fnlc_TreasuryTaxLoanNotesAbstract_lbl1">Treasury Tax &amp; Loan Notes [Abstract]</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TreasuryTaxAndLoanNotes" xlink:label="TreasuryTaxAndLoanNotes" xlink:title="TreasuryTaxAndLoanNotes" />
    <link:label xlink:type="resource" xlink:label="fnlc_TreasuryTaxAndLoanNotes_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TreasuryTaxAndLoanNotes_lbl" xml:lang="en-US" id="fnlc_TreasuryTaxAndLoanNotes_lbl">Represents dollar amount of all future maturities of advance payments by borrowers for taxes under the treasury tax and loan note program.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryTaxAndLoanNotes" xlink:to="fnlc_TreasuryTaxAndLoanNotes_lbl" xlink:title="label: TreasuryTaxAndLoanNotes to fnlc_TreasuryTaxAndLoanNotes_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TreasuryTaxAndLoanNotes_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TreasuryTaxAndLoanNotes_lbl1" xml:lang="en-US" id="fnlc_TreasuryTaxAndLoanNotes_lbl1">Treasury Tax And Loan Notes</link:label>
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TreasuryTaxAndLoanNotes" xlink:to="fnlc_TreasuryTaxAndLoanNotes_lbl2" xlink:title="label: TreasuryTaxAndLoanNotes to fnlc_TreasuryTaxAndLoanNotes_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange" xlink:label="FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange" xlink:title="FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange" />
    <link:label xlink:type="resource" xlink:label="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange_lbl" xml:lang="en-US" id="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange_lbl">Represents the range of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due four years from the balance sheet date.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange" xlink:label="FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange" xlink:title="FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange" />
    <link:label xlink:type="resource" xlink:label="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange_lbl" xml:lang="en-US" id="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange_lbl">Represents the range of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due five years from the balance sheet date.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange_lbl2" xml:lang="en-US" id="fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange_lbl2">2017 (in hundredths)</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TreasuryTaxAndLoanNotesAbstract" xlink:label="TreasuryTaxAndLoanNotesAbstract" xlink:title="TreasuryTaxAndLoanNotesAbstract" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock" xlink:label="AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock" xlink:title="AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock_lbl" xml:lang="en-US" id="fnlc_AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock_lbl">Tabular disclosure of change in accumulated post-retirement benefit obligation and funded status for the entity's postretirement benefit plans.</link:label>
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DefinedContributionPlanMember" xlink:label="DefinedContributionPlanMember" xlink:title="DefinedContributionPlanMember" />
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    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DefinedContributionPlanAbstract" xlink:label="DefinedContributionPlanAbstract" xlink:title="DefinedContributionPlanAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_DefinedContributionPlanAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DefinedContributionPlanAbstract_lbl1" xml:lang="en-US" id="fnlc_DefinedContributionPlanAbstract_lbl1">Defined contribution plan [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanAbstract" xlink:to="fnlc_DefinedContributionPlanAbstract_lbl1" xlink:title="label: DefinedContributionPlanAbstract to fnlc_DefinedContributionPlanAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" xlink:label="DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" xlink:title="DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" />
    <link:label xlink:type="resource" xlink:label="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl" xml:lang="en-US" id="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl">The highest percentage of employer match of employee contribution to defined contribution plan based on annual salary.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" xlink:to="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl" xlink:title="label: DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary to fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl1" xml:lang="en-US" id="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl1">Defined Contribution Plan Employer Maximum Percentage Match Of Employee Annual Salary</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" xlink:to="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl1" xlink:title="label: DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary to fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl2" xml:lang="en-US" id="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl2">Defined contribution plan employer maximum percentage match of annual salary based on employee contribution (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary" xlink:to="fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl2" xlink:title="label: DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary to fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions" xlink:label="DefinedContributionPlanEmployerMaximumProfitSharingContributions" xlink:title="DefinedContributionPlanEmployerMaximumProfitSharingContributions" />
    <link:label xlink:type="resource" xlink:label="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl" xml:lang="en-US" id="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl">Percentage of profit-sharing contributed by the employer to the defined contribution plan. The employee is entitled to receive in the future, subject to vesting and other restrictions, a share in the profits, as defined in the agreement, of the entity or portion thereof. Employer contributions may be discretionary or may be based on a fixed formula related to profits, compensation, or other factors. It is a form of incentive compensation to employees in addition to their regular salary and bonuses.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerMaximumProfitSharingContributions" xlink:to="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl" xlink:title="label: DefinedContributionPlanEmployerMaximumProfitSharingContributions to fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl1" xml:lang="en-US" id="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl1">Defined Contribution Plan Employer Maximum Profit Sharing Contributions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerMaximumProfitSharingContributions" xlink:to="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl1" xlink:title="label: DefinedContributionPlanEmployerMaximumProfitSharingContributions to fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl2" xml:lang="en-US" id="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl2">Defined contribution plan employer maximum percentage of annual profit-sharing contribution to plan for benefit of employee (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DefinedContributionPlanEmployerMaximumProfitSharingContributions" xlink:to="fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl2" xlink:title="label: DefinedContributionPlanEmployerMaximumProfitSharingContributions to fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfPostRetirementBenefitPlans" xlink:label="NumberOfPostRetirementBenefitPlans" xlink:title="NumberOfPostRetirementBenefitPlans" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfPostRetirementBenefitPlans_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfPostRetirementBenefitPlans_lbl" xml:lang="en-US" id="fnlc_NumberOfPostRetirementBenefitPlans_lbl">Number of post-retirement benefit plans sponsored by the company.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPostRetirementBenefitPlans" xlink:to="fnlc_NumberOfPostRetirementBenefitPlans_lbl" xlink:title="label: NumberOfPostRetirementBenefitPlans to fnlc_NumberOfPostRetirementBenefitPlans_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfPostRetirementBenefitPlans_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfPostRetirementBenefitPlans_lbl1" xml:lang="en-US" id="fnlc_NumberOfPostRetirementBenefitPlans_lbl1">Number Of Post Retirement Benefit Plans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPostRetirementBenefitPlans" xlink:to="fnlc_NumberOfPostRetirementBenefitPlans_lbl1" xlink:title="label: NumberOfPostRetirementBenefitPlans to fnlc_NumberOfPostRetirementBenefitPlans_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfPostRetirementBenefitPlans_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_NumberOfPostRetirementBenefitPlans_lbl2" xml:lang="en-US" id="fnlc_NumberOfPostRetirementBenefitPlans_lbl2">Number of post-retirement benefit plans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfPostRetirementBenefitPlans" xlink:to="fnlc_NumberOfPostRetirementBenefitPlans_lbl2" xlink:title="label: NumberOfPostRetirementBenefitPlans to fnlc_NumberOfPostRetirementBenefitPlans_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfActiveEmployeesAged50AndOver" xlink:label="NumberOfActiveEmployeesAged50AndOver" xlink:title="NumberOfActiveEmployeesAged50AndOver" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl" xml:lang="en-US" id="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl">The number of active employees aged 50 and over with post-retirement benefit plans where the entity subsidized the health insurance premiums.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfActiveEmployeesAged50AndOver" xlink:to="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl" xlink:title="label: NumberOfActiveEmployeesAged50AndOver to fnlc_NumberOfActiveEmployeesAged50AndOver_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl1" xml:lang="en-US" id="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl1">Number of active employees aged 50 and over</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfActiveEmployeesAged50AndOver" xlink:to="fnlc_NumberOfActiveEmployeesAged50AndOver_lbl1" xlink:title="label: NumberOfActiveEmployeesAged50AndOver to fnlc_NumberOfActiveEmployeesAged50AndOver_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" xlink:label="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" xlink:title="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" />
    <link:label xlink:type="resource" xlink:label="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl" xml:lang="en-US" id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl">The minimum amount employer will contribute per month to post-retiree for subsidizing the cost of health care insurance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" xlink:to="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl" xlink:title="label: PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum to fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl1" xml:lang="en-US" id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl1">Post Retirement Benefit Plan Health Insurance Subsidy Range Minimum</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" xlink:to="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl1" xlink:title="label: PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum to fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl2" xml:lang="en-US" id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl2">Post-retirement benefit plan health insurance subsidy range minimum per month per person</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum" xlink:to="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl2" xlink:title="label: PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum to fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" xlink:label="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" xlink:title="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" />
    <link:label xlink:type="resource" xlink:label="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl" xml:lang="en-US" id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl">The maximum amount employer will contribute per month to post-retiree for subsidizing the cost of health care insurance.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" xlink:to="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl" xlink:title="label: PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum to fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl1" xml:lang="en-US" id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl1">Post Retirement Benefit Plan Health Insurance Subsidy Range Maximum</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" xlink:to="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl1" xlink:title="label: PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum to fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl2" xml:lang="en-US" id="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl2">Post-retirement benefit plan health insurance subsidy range maximum per month per person</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum" xlink:to="fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl2" xlink:title="label: PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum to fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ExpectedFutureBenefitPaymentsNextQuarter" xlink:label="ExpectedFutureBenefitPaymentsNextQuarter" xlink:title="ExpectedFutureBenefitPaymentsNextQuarter" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl" xml:lang="en-US" id="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl">The amount of the benefits expected to be paid next quarter during the current year.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedFutureBenefitPaymentsNextQuarter" xlink:to="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl" xlink:title="label: ExpectedFutureBenefitPaymentsNextQuarter to fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl1" xml:lang="en-US" id="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl1">Expected Future Benefit Payments, Next Quarter</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedFutureBenefitPaymentsNextQuarter" xlink:to="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl1" xlink:title="label: ExpectedFutureBenefitPaymentsNextQuarter to fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl2" xml:lang="en-US" id="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl2">Expected future benefit payments, next quarter</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedFutureBenefitPaymentsNextQuarter" xlink:to="fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl2" xlink:title="label: ExpectedFutureBenefitPaymentsNextQuarter to fnlc_ExpectedFutureBenefitPaymentsNextQuarter_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ExpectedFutureBenefitPaymentsCurrentYear" xlink:label="ExpectedFutureBenefitPaymentsCurrentYear" xlink:title="ExpectedFutureBenefitPaymentsCurrentYear" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl" xml:lang="en-US" id="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl">The amount of the benefits expected to be paid during the year.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedFutureBenefitPaymentsCurrentYear" xlink:to="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl" xlink:title="label: ExpectedFutureBenefitPaymentsCurrentYear to fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl1" xml:lang="en-US" id="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl1">Expected Future Benefit Payments, Current Year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedFutureBenefitPaymentsCurrentYear" xlink:to="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl1" xlink:title="label: ExpectedFutureBenefitPaymentsCurrentYear to fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl2" xml:lang="en-US" id="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl2">Expected future benefit payments, current year</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedFutureBenefitPaymentsCurrentYear" xlink:to="fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl2" xlink:title="label: ExpectedFutureBenefitPaymentsCurrentYear to fnlc_ExpectedFutureBenefitPaymentsCurrentYear_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ActuarialGainLoss" xlink:label="ActuarialGainLoss" xlink:title="ActuarialGainLoss" />
    <link:label xlink:type="resource" xlink:label="fnlc_ActuarialGainLoss_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ActuarialGainLoss_lbl" xml:lang="en-US" id="fnlc_ActuarialGainLoss_lbl">Actuarial (gain) loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ActuarialGainLoss" xlink:to="fnlc_ActuarialGainLoss_lbl" xlink:title="label: ActuarialGainLoss to fnlc_ActuarialGainLoss_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ActuarialGainLoss_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ActuarialGainLoss_lbl1" xml:lang="en-US" id="fnlc_ActuarialGainLoss_lbl1">Actuarial (gain) loss</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ActuarialGainLoss" xlink:to="fnlc_ActuarialGainLoss_lbl1" xlink:title="label: ActuarialGainLoss to fnlc_ActuarialGainLoss_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_UnamortizedPriorServiceCost" xlink:label="UnamortizedPriorServiceCost" xlink:title="UnamortizedPriorServiceCost" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnamortizedPriorServiceCost_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_UnamortizedPriorServiceCost_lbl" xml:lang="en-US" id="fnlc_UnamortizedPriorServiceCost_lbl">Unamortized prior service cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnamortizedPriorServiceCost" xlink:to="fnlc_UnamortizedPriorServiceCost_lbl" xlink:title="label: UnamortizedPriorServiceCost to fnlc_UnamortizedPriorServiceCost_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnamortizedPriorServiceCost_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_UnamortizedPriorServiceCost_lbl1" xml:lang="en-US" id="fnlc_UnamortizedPriorServiceCost_lbl1">Unamortized prior service cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnamortizedPriorServiceCost" xlink:to="fnlc_UnamortizedPriorServiceCost_lbl1" xlink:title="label: UnamortizedPriorServiceCost to fnlc_UnamortizedPriorServiceCost_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_UnrecognizedTransitionObligation" xlink:label="UnrecognizedTransitionObligation" xlink:title="UnrecognizedTransitionObligation" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnrecognizedTransitionObligation_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_UnrecognizedTransitionObligation_lbl" xml:lang="en-US" id="fnlc_UnrecognizedTransitionObligation_lbl">Unrecognized transition obligation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrecognizedTransitionObligation" xlink:to="fnlc_UnrecognizedTransitionObligation_lbl" xlink:title="label: UnrecognizedTransitionObligation to fnlc_UnrecognizedTransitionObligation_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnrecognizedTransitionObligation_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_UnrecognizedTransitionObligation_lbl1" xml:lang="en-US" id="fnlc_UnrecognizedTransitionObligation_lbl1">Unrecognized transition obligation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnrecognizedTransitionObligation" xlink:to="fnlc_UnrecognizedTransitionObligation_lbl1" xlink:title="label: UnrecognizedTransitionObligation to fnlc_UnrecognizedTransitionObligation_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_WeightedAverageDiscountRateAsOfDecember31" xlink:label="WeightedAverageDiscountRateAsOfDecember31" xlink:title="WeightedAverageDiscountRateAsOfDecember31" />
    <link:label xlink:type="resource" xlink:label="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl" xml:lang="en-US" id="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl">Weighted average discount rate.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageDiscountRateAsOfDecember31" xlink:to="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl" xlink:title="label: WeightedAverageDiscountRateAsOfDecember31 to fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl1" xml:lang="en-US" id="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl1">Weighted average discount rate as of December 31</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageDiscountRateAsOfDecember31" xlink:to="fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl1" xlink:title="label: WeightedAverageDiscountRateAsOfDecember31 to fnlc_WeightedAverageDiscountRateAsOfDecember31_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_WeightedAverageDiscountRateForNetPeriodicCost" xlink:label="WeightedAverageDiscountRateForNetPeriodicCost" xlink:title="WeightedAverageDiscountRateForNetPeriodicCost" />
    <link:label xlink:type="resource" xlink:label="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl" xml:lang="en-US" id="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl">Weighted average discount rate for net periodic cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageDiscountRateForNetPeriodicCost" xlink:to="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl" xlink:title="label: WeightedAverageDiscountRateForNetPeriodicCost to fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl1" xml:lang="en-US" id="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl1">Weighted average discount rate for net periodic cost</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="WeightedAverageDiscountRateForNetPeriodicCost" xlink:to="fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl1" xlink:title="label: WeightedAverageDiscountRateForNetPeriodicCost to fnlc_WeightedAverageDiscountRateForNetPeriodicCost_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AmortizationOfPriorServiceCredit" xlink:label="AmortizationOfPriorServiceCredit" xlink:title="AmortizationOfPriorServiceCredit" />
    <link:label xlink:type="resource" xlink:label="fnlc_AmortizationOfPriorServiceCredit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AmortizationOfPriorServiceCredit_lbl" xml:lang="en-US" id="fnlc_AmortizationOfPriorServiceCredit_lbl">Amortization of prior service credit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfPriorServiceCredit" xlink:to="fnlc_AmortizationOfPriorServiceCredit_lbl" xlink:title="label: AmortizationOfPriorServiceCredit to fnlc_AmortizationOfPriorServiceCredit_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AmortizationOfPriorServiceCredit_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AmortizationOfPriorServiceCredit_lbl1" xml:lang="en-US" id="fnlc_AmortizationOfPriorServiceCredit_lbl1">Amortization of prior service credit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationOfPriorServiceCredit" xlink:to="fnlc_AmortizationOfPriorServiceCredit_lbl1" xlink:title="label: AmortizationOfPriorServiceCredit to fnlc_AmortizationOfPriorServiceCredit_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PerSharePurchasePriceOfCppShares" xlink:label="PerSharePurchasePriceOfCppShares" xlink:title="PerSharePurchasePriceOfCppShares" />
    <link:label xlink:type="resource" xlink:label="fnlc_PerSharePurchasePriceOfCppShares_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PerSharePurchasePriceOfCppShares_lbl" xml:lang="en-US" id="fnlc_PerSharePurchasePriceOfCppShares_lbl">The dollar amount received by company for each share of preferred stock issued or sold under the US Treasury Purchase Program transaction.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PerSharePurchasePriceOfCppShares" xlink:to="fnlc_PerSharePurchasePriceOfCppShares_lbl" xlink:title="label: PerSharePurchasePriceOfCppShares to fnlc_PerSharePurchasePriceOfCppShares_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PerSharePurchasePriceOfCppShares_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PerSharePurchasePriceOfCppShares_lbl1" xml:lang="en-US" id="fnlc_PerSharePurchasePriceOfCppShares_lbl1">Per Share Purchase price of CPP Shares</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PerSharePurchasePriceOfCppShares" xlink:to="fnlc_PerSharePurchasePriceOfCppShares_lbl1" xlink:title="label: PerSharePurchasePriceOfCppShares to fnlc_PerSharePurchasePriceOfCppShares_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PerSharePurchasePriceOfCppShares_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PerSharePurchasePriceOfCppShares_lbl2" xml:lang="en-US" id="fnlc_PerSharePurchasePriceOfCppShares_lbl2">Purchase price of CPP Shares (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PerSharePurchasePriceOfCppShares" xlink:to="fnlc_PerSharePurchasePriceOfCppShares_lbl2" xlink:title="label: PerSharePurchasePriceOfCppShares to fnlc_PerSharePurchasePriceOfCppShares_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CppSharesDividendPeriodAtLowerCouponRate" xlink:label="CppSharesDividendPeriodAtLowerCouponRate" xlink:title="CppSharesDividendPeriodAtLowerCouponRate" />
    <link:label xlink:type="resource" xlink:label="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl" xml:lang="en-US" id="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl">The number of years immediately following the issuance of preferred stock over which a certain cumulative dividend rate is applied.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CppSharesDividendPeriodAtLowerCouponRate" xlink:to="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl" xlink:title="label: CppSharesDividendPeriodAtLowerCouponRate to fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl1" xml:lang="en-US" id="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl1">CPP Shares Dividend Period At Lower Coupon Rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CppSharesDividendPeriodAtLowerCouponRate" xlink:to="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl1" xlink:title="label: CppSharesDividendPeriodAtLowerCouponRate to fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl2" xml:lang="en-US" id="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl2">CPP Shares dividend period (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CppSharesDividendPeriodAtLowerCouponRate" xlink:to="fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl2" xlink:title="label: CppSharesDividendPeriodAtLowerCouponRate to fnlc_CppSharesDividendPeriodAtLowerCouponRate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CppSharesDividendRateAfterFirstFiveYears" xlink:label="CppSharesDividendRateAfterFirstFiveYears" xlink:title="CppSharesDividendRateAfterFirstFiveYears" />
    <link:label xlink:type="resource" xlink:label="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl" xml:lang="en-US" id="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl">The percentage rate used to calculate dividend payments on preferred stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CppSharesDividendRateAfterFirstFiveYears" xlink:to="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl" xlink:title="label: CppSharesDividendRateAfterFirstFiveYears to fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl1" xml:lang="en-US" id="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl1">CPP Shares Dividend Rate After First Five Years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CppSharesDividendRateAfterFirstFiveYears" xlink:to="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl1" xlink:title="label: CppSharesDividendRateAfterFirstFiveYears to fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl2" xml:lang="en-US" id="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl2">CPP Shares dividend rate after first five years (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CppSharesDividendRateAfterFirstFiveYears" xlink:to="fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl2" xlink:title="label: CppSharesDividendRateAfterFirstFiveYears to fnlc_CppSharesDividendRateAfterFirstFiveYears_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PercentageOfOriginalCppSharesRedeemableMinimum" xlink:label="PercentageOfOriginalCppSharesRedeemableMinimum" xlink:title="PercentageOfOriginalCppSharesRedeemableMinimum" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl" xml:lang="en-US" id="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl">The percentage of minimum amount of original shares that may be redeemed under a stock repurchase plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOriginalCppSharesRedeemableMinimum" xlink:to="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl" xlink:title="label: PercentageOfOriginalCppSharesRedeemableMinimum to fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl1" xml:lang="en-US" id="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl1">Percentage Of Original CPP Shares Redeemable Minimum</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOriginalCppSharesRedeemableMinimum" xlink:to="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl1" xlink:title="label: PercentageOfOriginalCppSharesRedeemableMinimum to fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl2" xml:lang="en-US" id="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl2">Percentage of original CPP Shares redeemable, minimum (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOriginalCppSharesRedeemableMinimum" xlink:to="fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl2" xlink:title="label: PercentageOfOriginalCppSharesRedeemableMinimum to fnlc_PercentageOfOriginalCppSharesRedeemableMinimum_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend" xlink:label="NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend" xlink:title="NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl" xml:lang="en-US" id="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl">The number of years following the sale of shares preferred stock during which the Company is required to obtain a consent to increase the dividend per share paid on the common stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend" xlink:to="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl" xlink:title="label: NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend to fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl1" xml:lang="en-US" id="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl1">Number of years during which a consent is required to increase dividend</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend" xlink:to="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl1" xlink:title="label: NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend to fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl2" xml:lang="en-US" id="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl2">Number of years during which the Company is required to obtain Treasury's consent to increase dividend per share (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend" xlink:to="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl2" xlink:title="label: NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend to fnlc_NumberOfYearsDuringWhichConsentIsRequiredToIncreaseDividend_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock" xlink:label="NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock" xlink:title="NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl" xml:lang="en-US" id="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl">The number of years following the Company's sale of the preferred stock during which a consent is required to repurchase any shares of its outstanding stock of any type.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock" xlink:to="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl" xlink:title="label: NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock to fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl1" xml:lang="en-US" id="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl1">Number of years during which a consent is required to repurchase outstanding stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock" xlink:to="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl1" xlink:title="label: NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock to fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl2" xml:lang="en-US" id="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl2">Number of years during which the Company is required to obtain Treasury's consent to repurchase outstanding stock (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock" xlink:to="fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl2" xlink:title="label: NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock to fnlc_NumberOfYearsDuringWhichConsentIsRequiredToRepurchaseOutstandingStock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers" xlink:label="NumberOfOtherMostHighlyCompensatedExecutiveOfficers" xlink:title="NumberOfOtherMostHighlyCompensatedExecutiveOfficers" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl" xml:lang="en-US" id="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl">The number of most highly compensated executive officers other than the Company's chief executive officer and chief financial officer whose compensation is restricted as a condition to the sale of preferred stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfOtherMostHighlyCompensatedExecutiveOfficers" xlink:to="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl" xlink:title="label: NumberOfOtherMostHighlyCompensatedExecutiveOfficers to fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl1" xml:lang="en-US" id="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl1">Number of other most highly compensated executive officers</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfOtherMostHighlyCompensatedExecutiveOfficers" xlink:to="fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl1" xlink:title="label: NumberOfOtherMostHighlyCompensatedExecutiveOfficers to fnlc_NumberOfOtherMostHighlyCompensatedExecutiveOfficers_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer" xlink:label="LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer" xlink:title="LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl" xml:lang="en-US" id="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl">The limit placed on the tax deductions the Company can take for compensation expense for each of the most highly compensated executive officers in a single year as a condition to the sale of the preferred stock.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer" xlink:to="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl" xlink:title="label: LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer to fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl1" xml:lang="en-US" id="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl1">Limit on tax deductions for compensation expense for each executive officer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer" xlink:to="fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl1" xlink:title="label: LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer to fnlc_LimitOnTaxDeductionsForCompensationExpenseForEachExecutiveOfficer_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TermOfWarrantsIssued" xlink:label="TermOfWarrantsIssued" xlink:title="TermOfWarrantsIssued" />
    <link:label xlink:type="resource" xlink:label="fnlc_TermOfWarrantsIssued_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TermOfWarrantsIssued_lbl" xml:lang="en-US" id="fnlc_TermOfWarrantsIssued_lbl">The term - or time before expiration of warrants - of the warrants issued.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TermOfWarrantsIssued" xlink:to="fnlc_TermOfWarrantsIssued_lbl" xlink:title="label: TermOfWarrantsIssued to fnlc_TermOfWarrantsIssued_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TermOfWarrantsIssued_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TermOfWarrantsIssued_lbl1" xml:lang="en-US" id="fnlc_TermOfWarrantsIssued_lbl1">Term of warrants issued</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TermOfWarrantsIssued" xlink:to="fnlc_TermOfWarrantsIssued_lbl1" xlink:title="label: TermOfWarrantsIssued to fnlc_TermOfWarrantsIssued_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_TermOfWarrantsIssued_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_TermOfWarrantsIssued_lbl2" xml:lang="en-US" id="fnlc_TermOfWarrantsIssued_lbl2">Term of warrants issued (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TermOfWarrantsIssued" xlink:to="fnlc_TermOfWarrantsIssued_lbl2" xlink:title="label: TermOfWarrantsIssued to fnlc_TermOfWarrantsIssued_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice" xlink:label="AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice" xlink:title="AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl">Common stock price used as a significant assumption in determining fair value of warrants.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl1" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl1">Assumptions used in determining fair value of warrants, common stock price</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl1" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl2" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl2">Assumptions used in determining fair value of warrants, common stock price (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl2" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield" xlink:label="AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield" xlink:title="AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl">Dividend yield used as a significant assumption in determining fair value of warrants.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl1" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl1">Assumptions used in determining fair value of warrants, dividend yield</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl1" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl2" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl2">Assumptions used in determining fair value of warrants, dividend yield (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl2" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility" xlink:label="AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility" xlink:title="AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl">Stock price volatility used as a significant assumption in determining fair value of warrants.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl1" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl1">Assumptions used in determining fair value of warrants, stock price volatility</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl1" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl2" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl2">Assumptions used in determining fair value of warrants, stock price volatility (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl2" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate" xlink:label="AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate" xlink:title="AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl">Risk-free interest rate used as a significant assumption in determining fair value of warrants.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl1" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl1">Assumptions used in determining fair value of warrants, risk-free interest rate</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl1" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl2" xml:lang="en-US" id="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl2">Assumptions used in determining fair value of warrants, risk-free interest rate (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate" xlink:to="fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl2" xlink:title="label: AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate to fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ExpectedLifeOfCppSharesUponIssuance" xlink:label="ExpectedLifeOfCppSharesUponIssuance" xlink:title="ExpectedLifeOfCppSharesUponIssuance" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl" xml:lang="en-US" id="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl">The expected life of shares of preferred stock upon the issuance of warrants.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedLifeOfCppSharesUponIssuance" xlink:to="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl" xlink:title="label: ExpectedLifeOfCppSharesUponIssuance to fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl1" xml:lang="en-US" id="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl1">Expected life of CPP shares upon issuance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedLifeOfCppSharesUponIssuance" xlink:to="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl1" xlink:title="label: ExpectedLifeOfCppSharesUponIssuance to fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl2" xml:lang="en-US" id="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl2">Expected life of CPP Shares upon issuance (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExpectedLifeOfCppSharesUponIssuance" xlink:to="fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl2" xlink:title="label: ExpectedLifeOfCppSharesUponIssuance to fnlc_ExpectedLifeOfCppSharesUponIssuance_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfCommonStockIssuedOrRepurchasedTable" xlink:label="ScheduleOfCommonStockIssuedOrRepurchasedTable" xlink:title="ScheduleOfCommonStockIssuedOrRepurchasedTable" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedTable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedTable_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedTable_lbl1">Schedule of Common Stock Issued Or Repurchased [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfCommonStockIssuedOrRepurchasedTable" xlink:to="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedTable_lbl1" xlink:title="label: ScheduleOfCommonStockIssuedOrRepurchasedTable to fnlc_ScheduleOfCommonStockIssuedOrRepurchasedTable_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SourcesOfStockIssuanceOrRepurchasedAxis" xlink:label="SourcesOfStockIssuanceOrRepurchasedAxis" xlink:title="SourcesOfStockIssuanceOrRepurchasedAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl" xml:lang="en-US" id="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl">Various sources for issuance of new stock or repurchase of stock by entity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SourcesOfStockIssuanceOrRepurchasedAxis" xlink:to="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl" xlink:title="label: SourcesOfStockIssuanceOrRepurchasedAxis to fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl1" xml:lang="en-US" id="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl1">Sources of Stock Issuance Or Repurchased [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SourcesOfStockIssuanceOrRepurchasedAxis" xlink:to="fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl1" xlink:title="label: SourcesOfStockIssuanceOrRepurchasedAxis to fnlc_SourcesOfStockIssuanceOrRepurchasedAxis_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SourcesOfStockIssuanceOrRepurchasedDomain" xlink:label="SourcesOfStockIssuanceOrRepurchasedDomain" xlink:title="SourcesOfStockIssuanceOrRepurchasedDomain" />
    <link:label xlink:type="resource" xlink:label="fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl" xml:lang="en-US" id="fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl">List of the sources where common stock was either issued to or repurchased from.</link:label>
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    <link:label xlink:type="resource" xlink:label="fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl1" xml:lang="en-US" id="fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl1">Sources Of Stock Issuance Or Repurchased [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SourcesOfStockIssuanceOrRepurchasedDomain" xlink:to="fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl1" xlink:title="label: SourcesOfStockIssuanceOrRepurchasedDomain to fnlc_SourcesOfStockIssuanceOrRepurchasedDomain_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_EmployeeBenefitPlanMember" xlink:label="EmployeeBenefitPlanMember" xlink:title="EmployeeBenefitPlanMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_EmployeeBenefitPlanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_EmployeeBenefitPlanMember_lbl" xml:lang="en-US" id="fnlc_EmployeeBenefitPlanMember_lbl">A benefit other than salary (such as health insurance or pension) granted by an employer to its employees, subject to a written plan document, the taxable status of which is governed by the federal Employee Retirement Income Security Act of 1974.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeBenefitPlanMember" xlink:to="fnlc_EmployeeBenefitPlanMember_lbl" xlink:title="label: EmployeeBenefitPlanMember to fnlc_EmployeeBenefitPlanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_EmployeeBenefitPlanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_EmployeeBenefitPlanMember_lbl1" xml:lang="en-US" id="fnlc_EmployeeBenefitPlanMember_lbl1">Employee Benefit Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EmployeeBenefitPlanMember" xlink:to="fnlc_EmployeeBenefitPlanMember_lbl1" xlink:title="label: EmployeeBenefitPlanMember to fnlc_EmployeeBenefitPlanMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember" xlink:label="StockPurchaseAndSavingsAndInvestmentPlanMember" xlink:title="StockPurchaseAndSavingsAndInvestmentPlanMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl" xml:lang="en-US" id="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl">Information about the Company's plan in which the Company reserve shares of common stock to be made available to directors and employees.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockPurchaseAndSavingsAndInvestmentPlanMember" xlink:to="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl" xlink:title="label: StockPurchaseAndSavingsAndInvestmentPlanMember to fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl1" xml:lang="en-US" id="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl1">Stock Purchase and Savings and Investment Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockPurchaseAndSavingsAndInvestmentPlanMember" xlink:to="fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl1" xlink:title="label: StockPurchaseAndSavingsAndInvestmentPlanMember to fnlc_StockPurchaseAndSavingsAndInvestmentPlanMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ShareholderDividendReinvestmentPlanMember" xlink:label="ShareholderDividendReinvestmentPlanMember" xlink:title="ShareholderDividendReinvestmentPlanMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareholderDividendReinvestmentPlanMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ShareholderDividendReinvestmentPlanMember_lbl" xml:lang="en-US" id="fnlc_ShareholderDividendReinvestmentPlanMember_lbl">An equity investment option offered by the Company to allow shareholders to use their cash dividends for the automatic purchase of shares in the Company.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareholderDividendReinvestmentPlanMember" xlink:to="fnlc_ShareholderDividendReinvestmentPlanMember_lbl" xlink:title="label: ShareholderDividendReinvestmentPlanMember to fnlc_ShareholderDividendReinvestmentPlanMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareholderDividendReinvestmentPlanMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ShareholderDividendReinvestmentPlanMember_lbl1" xml:lang="en-US" id="fnlc_ShareholderDividendReinvestmentPlanMember_lbl1">Shareholder Dividend Reinvestment Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareholderDividendReinvestmentPlanMember" xlink:to="fnlc_ShareholderDividendReinvestmentPlanMember_lbl1" xlink:title="label: ShareholderDividendReinvestmentPlanMember to fnlc_ShareholderDividendReinvestmentPlanMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems" xlink:label="ScheduleOfCommonStockIssuedOrRepurchasedLineItems" xlink:title="ScheduleOfCommonStockIssuedOrRepurchasedLineItems" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl" xml:lang="en-US" id="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfCommonStockIssuedOrRepurchasedLineItems" xlink:to="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl" xlink:title="label: ScheduleOfCommonStockIssuedOrRepurchasedLineItems to fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl1">Schedule of Common Stock Issued Or Repurchased [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfCommonStockIssuedOrRepurchasedLineItems" xlink:to="fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl1" xlink:title="label: ScheduleOfCommonStockIssuedOrRepurchasedLineItems to fnlc_ScheduleOfCommonStockIssuedOrRepurchasedLineItems_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased" xlink:label="StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased" xlink:title="StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl" xml:lang="en-US" id="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl">The percentage of outstanding shares authorized to be repurchased by an entity's Board of Directors under a stock repurchase plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased" xlink:to="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl" xlink:title="label: StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased to fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl1" xml:lang="en-US" id="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl1">Stock Repurchase Program, Percentage of Outstanding Shares Authorized to Be Repurchased</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased" xlink:to="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl1" xlink:title="label: StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased to fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl2" xml:lang="en-US" id="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl2">Percentage of outstanding shares authorized to be repurchased (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased" xlink:to="fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl2" xlink:title="label: StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased to fnlc_StockRepurchaseProgramPercentageOfOutstandingSharesAuthorizedToBeRepurchased_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_StockRepurchasedUnderRepurchaseAgreement" xlink:label="StockRepurchasedUnderRepurchaseAgreement" xlink:title="StockRepurchasedUnderRepurchaseAgreement" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl">Number of shares that have been repurchased for entirety of repurchase authorization.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreement" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl" xlink:title="label: StockRepurchasedUnderRepurchaseAgreement to fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl1" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl1">Stock Repurchased Under Repurchase Agreement</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreement" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl1" xlink:title="label: StockRepurchasedUnderRepurchaseAgreement to fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl2" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl2">Number of shares repurchased (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreement" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl2" xlink:title="label: StockRepurchasedUnderRepurchaseAgreement to fnlc_StockRepurchasedUnderRepurchaseAgreement_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice" xlink:label="StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice" xlink:title="StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl">The average purchase price per share of common stock repurchased under repurchase agreement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl" xlink:title="label: StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice to fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl1" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl1">Stock Repurchased Under Repurchase Agreement Average Purchase Price</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl1" xlink:title="label: StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice to fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl2" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl2">Average price of shares repurchased (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl2" xlink:title="label: StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice to fnlc_StockRepurchasedUnderRepurchaseAgreementAveragePurchasePrice_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired" xlink:label="StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired" xlink:title="StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl">The cost of common stock that were repurchased under repurchase agreement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl" xlink:title="label: StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired to fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl1" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl1">Stock Repurchased Under Repurchase Agreement Cost of Shares Acquired</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl1" xlink:title="label: StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired to fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl2" xml:lang="en-US" id="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl2">Total cost of shares repurchased</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired" xlink:to="fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl2" xlink:title="label: StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired to fnlc_StockRepurchasedUnderRepurchaseAgreementCostOfSharesAcquired_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SharesRepurchasedFromEmployeeBenefitPlan" xlink:label="SharesRepurchasedFromEmployeeBenefitPlan" xlink:title="SharesRepurchasedFromEmployeeBenefitPlan" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl">The number of shares of stock repurchased from the employee benefit plan during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlan" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlan to fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl1" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl1">Shares Repurchased From Employee Benefit Plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlan" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl1" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlan to fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl2" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl2">Number of shares repurchased from employee benefit plan (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlan" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl2" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlan to fnlc_SharesRepurchasedFromEmployeeBenefitPlan_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare" xlink:label="SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare" xlink:title="SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl">The average price for share paid for stock repurchased from employee benefit plan during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare to fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl1" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl1">Shares Repurchased From Employee Benefit Plan Average Price Per Share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl1" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare to fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl2" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl2">Shares repurchased from employee benefit plan average cost per share (in dollars per share)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl2" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare to fnlc_SharesRepurchasedFromEmployeeBenefitPlanAveragePricePerShare_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue" xlink:label="SharesRepurchasedFromEmployeeBenefitPlanValue" xlink:title="SharesRepurchasedFromEmployeeBenefitPlanValue" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl">The total amount paid for the repurchase of stock from the employee benefit plan during the period.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlanValue" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlanValue to fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl1" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl1">Shares Repurchased From Employee Benefit Plan Value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlanValue" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl1" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlanValue to fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl2" xml:lang="en-US" id="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl2">Stock repurchased from employee benefit plan cost of repurchase</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SharesRepurchasedFromEmployeeBenefitPlanValue" xlink:to="fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl2" xlink:title="label: SharesRepurchasedFromEmployeeBenefitPlanValue to fnlc_SharesRepurchasedFromEmployeeBenefitPlanValue_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan" xlink:label="NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan" xlink:title="NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl" xml:lang="en-US" id="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl">The number of shares of common stock available to sold to directors and employees under stock purchase or savings and investment plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl" xlink:title="label: NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl1" xml:lang="en-US" id="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl1">Number Of Shares Available For Grant Under Employee Savings and Investment Plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl1" xlink:title="label: NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl2" xml:lang="en-US" id="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl2">Number of shares available to directors and employees for stock purchase or savings and investment plans (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl2" xlink:title="label: NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan" xlink:label="NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan" xlink:title="NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl" xml:lang="en-US" id="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl">The number of shares issued under employee savings and investment plan.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl" xlink:title="label: NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl1" xml:lang="en-US" id="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl1">Number Of Shares Issued Under Employee Savings and Investment Plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl1" xlink:title="label: NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl2" xml:lang="en-US" id="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl2">Number of shares issued under employee savings and investment plan (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl2" xlink:title="label: NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan" xlink:label="NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan" xlink:title="NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl" xml:lang="en-US" id="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl">Total number of shares of common stock available for future use.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl" xlink:title="label: NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl1" xml:lang="en-US" id="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl1">Number Of Shares Available For Future Use Under Employee Savings And Investment Plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl1" xlink:title="label: NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl2" xml:lang="en-US" id="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl2">Number of shares available for future use under employee savings and investment plan (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan" xlink:to="fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl2" xlink:title="label: NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan to fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan" xlink:label="NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan" xlink:title="NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl" xml:lang="en-US" id="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl">Number of shares registered with the Securities and Exchange Commission from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the shareholders to reinvest dividends paid to them by the entity on new issues of stock by the entity.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan" xlink:to="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl" xlink:title="label: NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan to fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl1" xml:lang="en-US" id="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl1">Number of shares registered pursuant to dividend reinvestment plan</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan" xlink:to="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl1" xlink:title="label: NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan to fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl2" xml:lang="en-US" id="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl2">Number of shares registered with SEC for dividend reinvestment plan (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan" xlink:to="fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl2" xlink:title="label: NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan to fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased" xlink:label="NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased" xlink:title="NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl" xml:lang="en-US" id="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl">The number of trading days immediately preceding the dividend payment date used in determining the per-share price of shares purchased at a price equal to the average of the daily bid and asked price reported on the national stock exchange.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased" xlink:to="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl" xlink:title="label: NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased to fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl1" xml:lang="en-US" id="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl1">Number of trading days used in determining per share price of shares purchased</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased" xlink:to="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl1" xlink:title="label: NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased to fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl2" xml:lang="en-US" id="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl2">Number of trading days immediately preceding dividend payment date used in determining per share price of shares purchased</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased" xlink:to="fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl2" xlink:title="label: NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased to fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Plan2010Member" xlink:label="Plan2010Member" xlink:title="Plan2010Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2010Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Plan2010Member_lbl" xml:lang="en-US" id="fnlc_Plan2010Member_lbl">A stock option plan approved by shareholders at the 2010 annual meeting to attract and retain the best available personnel, provide additional incentive to officers, employees and non-employee directors and promote the success of its business.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2010Member" xlink:to="fnlc_Plan2010Member_lbl" xlink:title="label: Plan2010Member to fnlc_Plan2010Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2010Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Plan2010Member_lbl1" xml:lang="en-US" id="fnlc_Plan2010Member_lbl1">Plan 2010 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2010Member" xlink:to="fnlc_Plan2010Member_lbl1" xlink:title="label: Plan2010Member to fnlc_Plan2010Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2010Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_Plan2010Member_lbl2" xml:lang="en-US" id="fnlc_Plan2010Member_lbl2">2010 Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2010Member" xlink:to="fnlc_Plan2010Member_lbl2" xlink:title="label: Plan2010Member to fnlc_Plan2010Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Plan2011Member" xlink:label="Plan2011Member" xlink:title="Plan2011Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2011Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Plan2011Member_lbl" xml:lang="en-US" id="fnlc_Plan2011Member_lbl">A stock option plan approved by shareholders at the 2011 annual meeting to attract and retain the best available personnel, provide additional incentive to officers, employees and non-employee directors and promote the success of its business.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2011Member" xlink:to="fnlc_Plan2011Member_lbl" xlink:title="label: Plan2011Member to fnlc_Plan2011Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2011Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Plan2011Member_lbl1" xml:lang="en-US" id="fnlc_Plan2011Member_lbl1">Plan 2011 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2011Member" xlink:to="fnlc_Plan2011Member_lbl1" xlink:title="label: Plan2011Member to fnlc_Plan2011Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2011Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_Plan2011Member_lbl2" xml:lang="en-US" id="fnlc_Plan2011Member_lbl2">2011 Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2011Member" xlink:to="fnlc_Plan2011Member_lbl2" xlink:title="label: Plan2011Member to fnlc_Plan2011Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Plan2012Member" xlink:label="Plan2012Member" xlink:title="Plan2012Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2012Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Plan2012Member_lbl" xml:lang="en-US" id="fnlc_Plan2012Member_lbl">A stock option plan approved by shareholders at the 2012 annual meeting to attract and retain the best available personnel, provide additional incentive to officers, employees and non-employee directors and promote the success of its business.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2012Member" xlink:to="fnlc_Plan2012Member_lbl" xlink:title="label: Plan2012Member to fnlc_Plan2012Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2012Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Plan2012Member_lbl1" xml:lang="en-US" id="fnlc_Plan2012Member_lbl1">Plan 2012 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2012Member" xlink:to="fnlc_Plan2012Member_lbl1" xlink:title="label: Plan2012Member to fnlc_Plan2012Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan2012Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_Plan2012Member_lbl2" xml:lang="en-US" id="fnlc_Plan2012Member_lbl2">2012 Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan2012Member" xlink:to="fnlc_Plan2012Member_lbl2" xlink:title="label: Plan2012Member to fnlc_Plan2012Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_Plan1995Member" xlink:label="Plan1995Member" xlink:title="Plan1995Member" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan1995Member_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_Plan1995Member_lbl" xml:lang="en-US" id="fnlc_Plan1995Member_lbl">A stock option plan approved by shareholders in 1995.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan1995Member" xlink:to="fnlc_Plan1995Member_lbl" xlink:title="label: Plan1995Member to fnlc_Plan1995Member_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan1995Member_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_Plan1995Member_lbl1" xml:lang="en-US" id="fnlc_Plan1995Member_lbl1">Plan 1995 [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan1995Member" xlink:to="fnlc_Plan1995Member_lbl1" xlink:title="label: Plan1995Member to fnlc_Plan1995Member_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_Plan1995Member_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_Plan1995Member_lbl2" xml:lang="en-US" id="fnlc_Plan1995Member_lbl2">1995 Plan [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Plan1995Member" xlink:to="fnlc_Plan1995Member_lbl2" xlink:title="label: Plan1995Member to fnlc_Plan1995Member_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_VestingTermAxis" xlink:label="VestingTermAxis" xlink:title="VestingTermAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_VestingTermAxis_lbl" xml:lang="en-US" id="fnlc_VestingTermAxis_lbl">Pertinent data describing and reflecting required disclosures pertaining to an equity-based compensation vesting term, by years.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermAxis" xlink:to="fnlc_VestingTermAxis_lbl" xlink:title="label: VestingTermAxis to fnlc_VestingTermAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_VestingTermAxis_lbl1" xml:lang="en-US" id="fnlc_VestingTermAxis_lbl1">Vesting Term [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermAxis" xlink:to="fnlc_VestingTermAxis_lbl1" xlink:title="label: VestingTermAxis to fnlc_VestingTermAxis_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermAxis_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_VestingTermAxis_lbl2" xml:lang="en-US" id="fnlc_VestingTermAxis_lbl2">Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Vesting Term [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermAxis" xlink:to="fnlc_VestingTermAxis_lbl2" xlink:title="label: VestingTermAxis to fnlc_VestingTermAxis_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_VestingTermDomain" xlink:label="VestingTermDomain" xlink:title="VestingTermDomain" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_VestingTermDomain_lbl" xml:lang="en-US" id="fnlc_VestingTermDomain_lbl">Equity-based compensation plans vesting terms, by years.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermDomain" xlink:to="fnlc_VestingTermDomain_lbl" xlink:title="label: VestingTermDomain to fnlc_VestingTermDomain_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermDomain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_VestingTermDomain_lbl1" xml:lang="en-US" id="fnlc_VestingTermDomain_lbl1">Vesting Term [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermDomain" xlink:to="fnlc_VestingTermDomain_lbl1" xlink:title="label: VestingTermDomain to fnlc_VestingTermDomain_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermDomain_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_VestingTermDomain_lbl2" xml:lang="en-US" id="fnlc_VestingTermDomain_lbl2">Schedule of Share-based Compensation Arrangements by Share-based Payment Award, Vesting Term [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermDomain" xlink:to="fnlc_VestingTermDomain_lbl2" xlink:title="label: VestingTermDomain to fnlc_VestingTermDomain_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_YearsMember" xlink:label="YearsMember" xlink:title="YearsMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_YearsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_YearsMember_lbl" xml:lang="en-US" id="fnlc_YearsMember_lbl">Equity-based compensation plans that vest in three years.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="YearsMember" xlink:to="fnlc_YearsMember_lbl" xlink:title="label: YearsMember to fnlc_YearsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_YearsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_YearsMember_lbl1" xml:lang="en-US" id="fnlc_YearsMember_lbl1">Years [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="YearsMember" xlink:to="fnlc_YearsMember_lbl1" xlink:title="label: YearsMember to fnlc_YearsMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_YearsMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_YearsMember_lbl2" xml:lang="en-US" id="fnlc_YearsMember_lbl2">3 Years [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="YearsMember" xlink:to="fnlc_YearsMember_lbl2" xlink:title="label: YearsMember to fnlc_YearsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FourYearsMember" xlink:label="FourYearsMember" xlink:title="FourYearsMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_FourYearsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FourYearsMember_lbl" xml:lang="en-US" id="fnlc_FourYearsMember_lbl">Equity-based compensation plans that vest in four years.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FourYearsMember" xlink:to="fnlc_FourYearsMember_lbl" xlink:title="label: FourYearsMember to fnlc_FourYearsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FourYearsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FourYearsMember_lbl1" xml:lang="en-US" id="fnlc_FourYearsMember_lbl1">Four Years [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FourYearsMember" xlink:to="fnlc_FourYearsMember_lbl1" xlink:title="label: FourYearsMember to fnlc_FourYearsMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_FourYearsMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_FourYearsMember_lbl2" xml:lang="en-US" id="fnlc_FourYearsMember_lbl2">4 Years [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FourYearsMember" xlink:to="fnlc_FourYearsMember_lbl2" xlink:title="label: FourYearsMember to fnlc_FourYearsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_FiveYearsMember" xlink:label="FiveYearsMember" xlink:title="FiveYearsMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_FiveYearsMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_FiveYearsMember_lbl" xml:lang="en-US" id="fnlc_FiveYearsMember_lbl">Equity-based compensation plans that vest in five years.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FiveYearsMember" xlink:to="fnlc_FiveYearsMember_lbl" xlink:title="label: FiveYearsMember to fnlc_FiveYearsMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_FiveYearsMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_FiveYearsMember_lbl1" xml:lang="en-US" id="fnlc_FiveYearsMember_lbl1">Five Years [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FiveYearsMember" xlink:to="fnlc_FiveYearsMember_lbl1" xlink:title="label: FiveYearsMember to fnlc_FiveYearsMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_FiveYearsMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_FiveYearsMember_lbl2" xml:lang="en-US" id="fnlc_FiveYearsMember_lbl2">5 Years [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FiveYearsMember" xlink:to="fnlc_FiveYearsMember_lbl2" xlink:title="label: FiveYearsMember to fnlc_FiveYearsMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis" xlink:label="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis" xlink:title="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl" xml:lang="en-US" id="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl">Pertinent data describing and reflecting required disclosures pertaining to an equity-based compensation arrangement, by award.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis" xlink:to="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl" xlink:title="label: ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis to fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl1">Schedule Of Share Based Compensation Arrangement By Share Based Payment Award Award Type [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis" xlink:to="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl1" xlink:title="label: ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis to fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl2" xml:lang="en-US" id="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl2">Schedule of Share-based Compensation Arrangement by Share-based Payment Award, Award Type [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis" xlink:to="fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl2" xlink:title="label: ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis to fnlc_ScheduleOfShareBasedCompensationArrangementByShareBasedPaymentAwardAwardTypeAxis_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain" xlink:label="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain" xlink:title="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl">Equity-based compensation awards.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain" xlink:to="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl" xlink:title="label: ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain to fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl1" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl1">Share Based Compensation Arrangements By Share Based Payment Award Award Type [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain" xlink:to="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl1" xlink:title="label: ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain to fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl2" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl2">Share-based Compensation Arrangements by Share-based Payment Award, Award Type [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain" xlink:to="fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl2" xlink:title="label: ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain to fnlc_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeDomain_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl">Represents the year the restricted stock award was granted.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted" xlink:to="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted to fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl1" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl1">Share Based Compensation Arrangement By Share Based Payment Award Year Award Granted</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted" xlink:to="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted to fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardYearAwardGranted_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl">Description of the period of time over which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 to fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl1" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl1">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1 to fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod" xlink:label="ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod" xlink:title="ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl">Description of the remaining period of time over which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, which may be expressed in a variety of ways (for example, in years, month and year).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod" xlink:to="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod to fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl1" xml:lang="en-US" id="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl1">Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod" xlink:to="fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl1" xlink:title="label: ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod to fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PercentageOfOptionsVestingTwoYears" xlink:label="PercentageOfOptionsVestingTwoYears" xlink:title="PercentageOfOptionsVestingTwoYears" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOptionsVestingTwoYears_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PercentageOfOptionsVestingTwoYears_lbl" xml:lang="en-US" id="fnlc_PercentageOfOptionsVestingTwoYears_lbl">The percentage of options vesting two years to total option plan as of the balance sheet date if other than 100 percent.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOptionsVestingTwoYears" xlink:to="fnlc_PercentageOfOptionsVestingTwoYears_lbl" xlink:title="label: PercentageOfOptionsVestingTwoYears to fnlc_PercentageOfOptionsVestingTwoYears_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOptionsVestingTwoYears_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PercentageOfOptionsVestingTwoYears_lbl1" xml:lang="en-US" id="fnlc_PercentageOfOptionsVestingTwoYears_lbl1">Percentage of options vesting two years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOptionsVestingTwoYears" xlink:to="fnlc_PercentageOfOptionsVestingTwoYears_lbl1" xlink:title="label: PercentageOfOptionsVestingTwoYears to fnlc_PercentageOfOptionsVestingTwoYears_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOptionsVestingTwoYears_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PercentageOfOptionsVestingTwoYears_lbl2" xml:lang="en-US" id="fnlc_PercentageOfOptionsVestingTwoYears_lbl2">Percentage of options vesting two years (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOptionsVestingTwoYears" xlink:to="fnlc_PercentageOfOptionsVestingTwoYears_lbl2" xlink:title="label: PercentageOfOptionsVestingTwoYears to fnlc_PercentageOfOptionsVestingTwoYears_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_VestingTermForFirstTrancheOfOptiosAwarded" xlink:label="VestingTermForFirstTrancheOfOptiosAwarded" xlink:title="VestingTermForFirstTrancheOfOptiosAwarded" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl" xml:lang="en-US" id="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl">Description of the period of time over which an employee's right to exercise the first tranche of options awarded is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, which may be expressed in a variety of ways (for example, in years, month and year).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermForFirstTrancheOfOptiosAwarded" xlink:to="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl" xlink:title="label: VestingTermForFirstTrancheOfOptiosAwarded to fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl1" xml:lang="en-US" id="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl1">Vesting Term For First Tranche Of Optios Awarded</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermForFirstTrancheOfOptiosAwarded" xlink:to="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl1" xlink:title="label: VestingTermForFirstTrancheOfOptiosAwarded to fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl2" xml:lang="en-US" id="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl2">Vesting term, option one (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermForFirstTrancheOfOptiosAwarded" xlink:to="fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl2" xlink:title="label: VestingTermForFirstTrancheOfOptiosAwarded to fnlc_VestingTermForFirstTrancheOfOptiosAwarded_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PercentageOfOptionsVestingFiveYears" xlink:label="PercentageOfOptionsVestingFiveYears" xlink:title="PercentageOfOptionsVestingFiveYears" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOptionsVestingFiveYears_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PercentageOfOptionsVestingFiveYears_lbl" xml:lang="en-US" id="fnlc_PercentageOfOptionsVestingFiveYears_lbl">The percentage of options vesting five years to total option plan as of the balance sheet date if other than 100 percent.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOptionsVestingFiveYears" xlink:to="fnlc_PercentageOfOptionsVestingFiveYears_lbl" xlink:title="label: PercentageOfOptionsVestingFiveYears to fnlc_PercentageOfOptionsVestingFiveYears_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOptionsVestingFiveYears_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PercentageOfOptionsVestingFiveYears_lbl1" xml:lang="en-US" id="fnlc_PercentageOfOptionsVestingFiveYears_lbl1">Percentage of options vesting five years</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOptionsVestingFiveYears" xlink:to="fnlc_PercentageOfOptionsVestingFiveYears_lbl1" xlink:title="label: PercentageOfOptionsVestingFiveYears to fnlc_PercentageOfOptionsVestingFiveYears_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfOptionsVestingFiveYears_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PercentageOfOptionsVestingFiveYears_lbl2" xml:lang="en-US" id="fnlc_PercentageOfOptionsVestingFiveYears_lbl2">Percentage of options vesting five years (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfOptionsVestingFiveYears" xlink:to="fnlc_PercentageOfOptionsVestingFiveYears_lbl2" xlink:title="label: PercentageOfOptionsVestingFiveYears to fnlc_PercentageOfOptionsVestingFiveYears_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_VestingTermForFinalTrancheOfOptiosAwarded" xlink:label="VestingTermForFinalTrancheOfOptiosAwarded" xlink:title="VestingTermForFinalTrancheOfOptiosAwarded" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl" xml:lang="en-US" id="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl">Description of the period of time over which an employee's right to exercise the final tranche of options awarded is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, which may be expressed in a variety of ways (for example, in years, month and year).</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermForFinalTrancheOfOptiosAwarded" xlink:to="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl" xlink:title="label: VestingTermForFinalTrancheOfOptiosAwarded to fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl1" xml:lang="en-US" id="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl1">Vesting Term For Final Tranche Of Optios Awarded</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermForFinalTrancheOfOptiosAwarded" xlink:to="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl1" xlink:title="label: VestingTermForFinalTrancheOfOptiosAwarded to fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl2" xml:lang="en-US" id="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl2">Vesting term, option two (in years)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="VestingTermForFinalTrancheOfOptiosAwarded" xlink:to="fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl2" xlink:title="label: VestingTermForFinalTrancheOfOptiosAwarded to fnlc_VestingTermForFinalTrancheOfOptiosAwarded_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ExercisedOptionsAggregateIntrinsicValue" xlink:label="ExercisedOptionsAggregateIntrinsicValue" xlink:title="ExercisedOptionsAggregateIntrinsicValue" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl" xml:lang="en-US" id="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl">Total aggregate intrinsic value on shares exercised.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExercisedOptionsAggregateIntrinsicValue" xlink:to="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl" xlink:title="label: ExercisedOptionsAggregateIntrinsicValue to fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl1" xml:lang="en-US" id="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl1">Exercised options, aggregate intrinsic value</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ExercisedOptionsAggregateIntrinsicValue" xlink:to="fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl1" xlink:title="label: ExercisedOptionsAggregateIntrinsicValue to fnlc_ExercisedOptionsAggregateIntrinsicValue_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock" xlink:label="ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock" xlink:title="ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl">Tabular disclosure of options and warrants issued and outstanding. Disclose the title of issue of securities called for by options and warrants outstanding, the aggregate amount of securities called for by options and warrants outstanding, and the amount above or below the strike price.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock" xlink:to="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl" xlink:title="label: ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock to fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl1">Schedule of Number Of Options And Warrants Outstanding [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock" xlink:to="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl1" xlink:title="label: ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock to fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl2">Number of options and warrants outstanding and amount above or below the strike price</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock" xlink:to="fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl2" xlink:title="label: ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock to fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock" xlink:label="LessDividendsAndAmortizationOfPremiumOnPreferredStock" xlink:title="LessDividendsAndAmortizationOfPremiumOnPreferredStock" />
    <link:label xlink:type="resource" xlink:label="fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock_lbl1" xml:lang="en-US" id="fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock_lbl1">Less dividends and amortization of premium on preferred stock</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LessDividendsAndAmortizationOfPremiumOnPreferredStock" xlink:to="fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock_lbl1" xlink:title="label: LessDividendsAndAmortizationOfPremiumOnPreferredStock to fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfOutstandingOptionsAndWarrantsTable" xlink:label="ScheduleOfOutstandingOptionsAndWarrantsTable" xlink:title="ScheduleOfOutstandingOptionsAndWarrantsTable" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfOutstandingOptionsAndWarrantsTable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfOutstandingOptionsAndWarrantsTable_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfOutstandingOptionsAndWarrantsTable_lbl1">Schedule of Outstanding Options And Warrants [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfOutstandingOptionsAndWarrantsTable" xlink:to="fnlc_ScheduleOfOutstandingOptionsAndWarrantsTable_lbl1" xlink:title="label: ScheduleOfOutstandingOptionsAndWarrantsTable to fnlc_ScheduleOfOutstandingOptionsAndWarrantsTable_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PriceLevelOfOptionsAndWarrantsAxis" xlink:label="PriceLevelOfOptionsAndWarrantsAxis" xlink:title="PriceLevelOfOptionsAndWarrantsAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl" xml:lang="en-US" id="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl">Information by the different price level of options and warrants.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PriceLevelOfOptionsAndWarrantsAxis" xlink:to="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl" xlink:title="label: PriceLevelOfOptionsAndWarrantsAxis to fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl1" xml:lang="en-US" id="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl1">Price Level of Options and Warrants [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PriceLevelOfOptionsAndWarrantsAxis" xlink:to="fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl1" xlink:title="label: PriceLevelOfOptionsAndWarrantsAxis to fnlc_PriceLevelOfOptionsAndWarrantsAxis_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PriceLevelOfOptionsAndWarrantsDomain" xlink:label="PriceLevelOfOptionsAndWarrantsDomain" xlink:title="PriceLevelOfOptionsAndWarrantsDomain" />
    <link:label xlink:type="resource" xlink:label="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl" xml:lang="en-US" id="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl">Options and warrants categorized by their market price level as compared to the strike price of the underlying asset.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PriceLevelOfOptionsAndWarrantsDomain" xlink:to="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl" xlink:title="label: PriceLevelOfOptionsAndWarrantsDomain to fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl1" xml:lang="en-US" id="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl1">Price Level of Options and Warrants [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PriceLevelOfOptionsAndWarrantsDomain" xlink:to="fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl1" xlink:title="label: PriceLevelOfOptionsAndWarrantsDomain to fnlc_PriceLevelOfOptionsAndWarrantsDomain_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_InMoneyMember" xlink:label="InMoneyMember" xlink:title="InMoneyMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_InMoneyMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_InMoneyMember_lbl" xml:lang="en-US" id="fnlc_InMoneyMember_lbl">Options or warrants market price level above the strike price.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InMoneyMember" xlink:to="fnlc_InMoneyMember_lbl" xlink:title="label: InMoneyMember to fnlc_InMoneyMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_InMoneyMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_InMoneyMember_lbl1" xml:lang="en-US" id="fnlc_InMoneyMember_lbl1">In Money [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InMoneyMember" xlink:to="fnlc_InMoneyMember_lbl1" xlink:title="label: InMoneyMember to fnlc_InMoneyMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_InMoneyMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_InMoneyMember_lbl2" xml:lang="en-US" id="fnlc_InMoneyMember_lbl2">In-the-Money [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InMoneyMember" xlink:to="fnlc_InMoneyMember_lbl2" xlink:title="label: InMoneyMember to fnlc_InMoneyMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_OutOfMoneyMember" xlink:label="OutOfMoneyMember" xlink:title="OutOfMoneyMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_OutOfMoneyMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_OutOfMoneyMember_lbl" xml:lang="en-US" id="fnlc_OutOfMoneyMember_lbl">Options or warrants with their market price level below the strike price.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OutOfMoneyMember" xlink:to="fnlc_OutOfMoneyMember_lbl" xlink:title="label: OutOfMoneyMember to fnlc_OutOfMoneyMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_OutOfMoneyMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_OutOfMoneyMember_lbl1" xml:lang="en-US" id="fnlc_OutOfMoneyMember_lbl1">Out Of Money [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OutOfMoneyMember" xlink:to="fnlc_OutOfMoneyMember_lbl1" xlink:title="label: OutOfMoneyMember to fnlc_OutOfMoneyMember_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_OutOfMoneyMember_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_OutOfMoneyMember_lbl2" xml:lang="en-US" id="fnlc_OutOfMoneyMember_lbl2">Out-of-the-Money [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OutOfMoneyMember" xlink:to="fnlc_OutOfMoneyMember_lbl2" xlink:title="label: OutOfMoneyMember to fnlc_OutOfMoneyMember_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems" xlink:label="ScheduleOfOutstandingOptionsAndWarrantsLineItems" xlink:title="ScheduleOfOutstandingOptionsAndWarrantsLineItems" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl" xml:lang="en-US" id="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfOutstandingOptionsAndWarrantsLineItems" xlink:to="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl" xlink:title="label: ScheduleOfOutstandingOptionsAndWarrantsLineItems to fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl1">Schedule of Outstanding Options And Warrants [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfOutstandingOptionsAndWarrantsLineItems" xlink:to="fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl1" xlink:title="label: ScheduleOfOutstandingOptionsAndWarrantsLineItems to fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_EarningsPerShareTotalDilutiveSecurities" xlink:label="EarningsPerShareTotalDilutiveSecurities" xlink:title="EarningsPerShareTotalDilutiveSecurities" />
    <link:label xlink:type="resource" xlink:label="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl" xml:lang="en-US" id="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl">The total number of shares reserved for issuance under stock option and warrants and are outstanding as of the balance sheet date.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareTotalDilutiveSecurities" xlink:to="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl" xlink:title="label: EarningsPerShareTotalDilutiveSecurities to fnlc_EarningsPerShareTotalDilutiveSecurities_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl1" xml:lang="en-US" id="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl1">Earnings Per Share Total Dilutive Securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareTotalDilutiveSecurities" xlink:to="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl1" xlink:title="label: EarningsPerShareTotalDilutiveSecurities to fnlc_EarningsPerShareTotalDilutiveSecurities_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl2" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:title="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl2" xml:lang="en-US" id="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl2">Total dilutive securities (in shares)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EarningsPerShareTotalDilutiveSecurities" xlink:to="fnlc_EarningsPerShareTotalDilutiveSecurities_lbl2" xlink:title="label: EarningsPerShareTotalDilutiveSecurities to fnlc_EarningsPerShareTotalDilutiveSecurities_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NonConsolidatedMember" xlink:label="NonConsolidatedMember" xlink:title="NonConsolidatedMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_NonConsolidatedMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NonConsolidatedMember_lbl" xml:lang="en-US" id="fnlc_NonConsolidatedMember_lbl">The actual and minimum capital amounts and ratios for the bank presented on a non consolidated basis.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonConsolidatedMember" xlink:to="fnlc_NonConsolidatedMember_lbl" xlink:title="label: NonConsolidatedMember to fnlc_NonConsolidatedMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NonConsolidatedMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NonConsolidatedMember_lbl1" xml:lang="en-US" id="fnlc_NonConsolidatedMember_lbl1">Non Consolidated [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NonConsolidatedMember" xlink:to="fnlc_NonConsolidatedMember_lbl1" xlink:title="label: NonConsolidatedMember to fnlc_NonConsolidatedMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ConsolidatedMember" xlink:label="ConsolidatedMember" xlink:title="ConsolidatedMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_ConsolidatedMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ConsolidatedMember_lbl" xml:lang="en-US" id="fnlc_ConsolidatedMember_lbl">The actual and minimum capital amounts and ratios for the bank presented on a consolidated basis.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsolidatedMember" xlink:to="fnlc_ConsolidatedMember_lbl" xlink:title="label: ConsolidatedMember to fnlc_ConsolidatedMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ConsolidatedMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ConsolidatedMember_lbl1" xml:lang="en-US" id="fnlc_ConsolidatedMember_lbl1">Consolidated [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ConsolidatedMember" xlink:to="fnlc_ConsolidatedMember_lbl1" xlink:title="label: ConsolidatedMember to fnlc_ConsolidatedMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends" xlink:label="RetainedEarningsFromPriorTwoYearsAvailableForDividends" xlink:title="RetainedEarningsFromPriorTwoYearsAvailableForDividends" />
    <link:label xlink:type="resource" xlink:label="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl" xml:lang="en-US" id="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl">The amount of retained earnings as of the balance sheet date from the prior two years that can be distributed in the form of dividends.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetainedEarningsFromPriorTwoYearsAvailableForDividends" xlink:to="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl" xlink:title="label: RetainedEarningsFromPriorTwoYearsAvailableForDividends to fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl1" xml:lang="en-US" id="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl1">Retained Earnings From Prior Two Years Available For Dividends</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetainedEarningsFromPriorTwoYearsAvailableForDividends" xlink:to="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl1" xlink:title="label: RetainedEarningsFromPriorTwoYearsAvailableForDividends to fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl2" xml:lang="en-US" id="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl2">Retained earnings from prior two years available for dividends</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RetainedEarningsFromPriorTwoYearsAvailableForDividends" xlink:to="fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl2" xlink:title="label: RetainedEarningsFromPriorTwoYearsAvailableForDividends to fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock" xlink:label="OffBalanceSheetFinancialInstrumentsTableTextBlock" xlink:title="OffBalanceSheetFinancialInstrumentsTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl" xml:lang="en-US" id="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl">Tabular disclosure of the nature and terms of the financial instruments with off-balance sheet risk.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OffBalanceSheetFinancialInstrumentsTableTextBlock" xlink:to="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl" xlink:title="label: OffBalanceSheetFinancialInstrumentsTableTextBlock to fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl1">Off-Balance-Sheet Financial instruments [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OffBalanceSheetFinancialInstrumentsTableTextBlock" xlink:to="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl1" xlink:title="label: OffBalanceSheetFinancialInstrumentsTableTextBlock to fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl2">Off-Balance-Sheet Financial instruments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OffBalanceSheetFinancialInstrumentsTableTextBlock" xlink:to="fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl2" xlink:title="label: OffBalanceSheetFinancialInstrumentsTableTextBlock to fnlc_OffBalanceSheetFinancialInstrumentsTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_UnusedLinesOfCreditResidentialMortgagesMember" xlink:label="UnusedLinesOfCreditResidentialMortgagesMember" xlink:title="UnusedLinesOfCreditResidentialMortgagesMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl" xml:lang="en-US" id="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl">The unused portion of a line of credit that is available to the borrower to finance the acquisition of residential real estate.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnusedLinesOfCreditResidentialMortgagesMember" xlink:to="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl" xlink:title="label: UnusedLinesOfCreditResidentialMortgagesMember to fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl1" xml:lang="en-US" id="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl1">Unused Lines Of Credit Residential Mortgages [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnusedLinesOfCreditResidentialMortgagesMember" xlink:to="fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl1" xlink:title="label: UnusedLinesOfCreditResidentialMortgagesMember to fnlc_UnusedLinesOfCreditResidentialMortgagesMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure" xlink:label="UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure" xlink:title="UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl" xml:lang="en-US" id="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents US government treasury and agency issued debt securities.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:title="label: UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure to fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xml:lang="en-US" id="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl1">United States Government Treasury And Agency Debt Securities Available For Sale Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:title="label: UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure to fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xml:lang="en-US" id="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl2">U.S. Treasury and agency</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:title="label: UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure to fnlc_UnitedStatesGovernmentTreasuryAndAgencyDebtSecuritiesAvailableForSaleFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure" xlink:label="StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure" xlink:title="StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl" xml:lang="en-US" id="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl">This element represents a certain statement of financial position asset caption which represents a class of assets, or which may include an individual asset, measured at fair value on a recurring basis.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:title="label: StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure to fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xml:lang="en-US" id="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl1">State And Municipal Securities Available For Sale Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:title="label: StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure to fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xml:lang="en-US" id="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl2">State and municipal bonds</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:title="label: StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure to fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure" xlink:label="CorporateSecuritiesAvailableForSaleFairValueDisclosure" xlink:title="CorporateSecuritiesAvailableForSaleFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl" xml:lang="en-US" id="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl">This element represents a certain statement of financial position asset caption which represents corporate securities measured at fair value on a recurring basis.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:title="label: CorporateSecuritiesAvailableForSaleFairValueDisclosure to fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xml:lang="en-US" id="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl1">Corporate Securities Available For Sale Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:title="label: CorporateSecuritiesAvailableForSaleFairValueDisclosure to fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xml:lang="en-US" id="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl2">Corporate securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CorporateSecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:title="label: CorporateSecuritiesAvailableForSaleFairValueDisclosure to fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure" xlink:label="OtherEquitySecuritiesAvailableForSaleFairValueDisclosure" xlink:title="OtherEquitySecuritiesAvailableForSaleFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl" xml:lang="en-US" id="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl">This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents other equity securities not previously disclosed.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherEquitySecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl" xlink:title="label: OtherEquitySecuritiesAvailableForSaleFairValueDisclosure to fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl1" xml:lang="en-US" id="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl1">Other Equity Securities Available For Sale Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherEquitySecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl1" xlink:title="label: OtherEquitySecuritiesAvailableForSaleFairValueDisclosure to fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl2" xml:lang="en-US" id="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl2">Other equity securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherEquitySecuritiesAvailableForSaleFairValueDisclosure" xlink:to="fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl2" xlink:title="label: OtherEquitySecuritiesAvailableForSaleFairValueDisclosure to fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_OtherRealEstateOwnedFairValueDisclosure" xlink:label="OtherRealEstateOwnedFairValueDisclosure" xlink:title="OtherRealEstateOwnedFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl" xml:lang="en-US" id="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl">This element represents the fair value disclosure of other real estate owned that have had a fair value adjustment since their initial recognition.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateOwnedFairValueDisclosure" xlink:to="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl" xlink:title="label: OtherRealEstateOwnedFairValueDisclosure to fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl1" xml:lang="en-US" id="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl1">Other Real Estate Owned Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateOwnedFairValueDisclosure" xlink:to="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl1" xlink:title="label: OtherRealEstateOwnedFairValueDisclosure to fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl2" xml:lang="en-US" id="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl2">Other real estate owned</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherRealEstateOwnedFairValueDisclosure" xlink:to="fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl2" xlink:title="label: OtherRealEstateOwnedFairValueDisclosure to fnlc_OtherRealEstateOwnedFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CommercialOtherReceivableMember" xlink:label="CommercialOtherReceivableMember" xlink:title="CommercialOtherReceivableMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialOtherReceivableMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CommercialOtherReceivableMember_lbl" xml:lang="en-US" id="fnlc_CommercialOtherReceivableMember_lbl">Class of financing receivables related to commercial other financing receivables.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialOtherReceivableMember" xlink:to="fnlc_CommercialOtherReceivableMember_lbl" xlink:title="label: CommercialOtherReceivableMember to fnlc_CommercialOtherReceivableMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialOtherReceivableMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CommercialOtherReceivableMember_lbl1" xml:lang="en-US" id="fnlc_CommercialOtherReceivableMember_lbl1">Commercial Other Receivable [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialOtherReceivableMember" xlink:to="fnlc_CommercialOtherReceivableMember_lbl1" xlink:title="label: CommercialOtherReceivableMember to fnlc_CommercialOtherReceivableMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialTermFinancingReceivableMember" xlink:label="ResidentialTermFinancingReceivableMember" xlink:title="ResidentialTermFinancingReceivableMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialTermFinancingReceivableMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ResidentialTermFinancingReceivableMember_lbl" xml:lang="en-US" id="fnlc_ResidentialTermFinancingReceivableMember_lbl">Class of financing receivables related to residential term financing receivables.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialTermFinancingReceivableMember" xlink:to="fnlc_ResidentialTermFinancingReceivableMember_lbl" xlink:title="label: ResidentialTermFinancingReceivableMember to fnlc_ResidentialTermFinancingReceivableMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialTermFinancingReceivableMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialTermFinancingReceivableMember_lbl1" xml:lang="en-US" id="fnlc_ResidentialTermFinancingReceivableMember_lbl1">Residential, Term, Financing Receivable [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialTermFinancingReceivableMember" xlink:to="fnlc_ResidentialTermFinancingReceivableMember_lbl1" xlink:title="label: ResidentialTermFinancingReceivableMember to fnlc_ResidentialTermFinancingReceivableMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialConstructionFinancingReceivablesMember" xlink:label="ResidentialConstructionFinancingReceivablesMember" xlink:title="ResidentialConstructionFinancingReceivablesMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl" xml:lang="en-US" id="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl">Class of financing receivables related to residential construction financing receivables.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialConstructionFinancingReceivablesMember" xlink:to="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl" xlink:title="label: ResidentialConstructionFinancingReceivablesMember to fnlc_ResidentialConstructionFinancingReceivablesMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl1" xml:lang="en-US" id="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl1">Residential, Construction, Financing Receivables [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialConstructionFinancingReceivablesMember" xlink:to="fnlc_ResidentialConstructionFinancingReceivablesMember_lbl1" xlink:title="label: ResidentialConstructionFinancingReceivablesMember to fnlc_ResidentialConstructionFinancingReceivablesMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LoansNetOfAllowanceForLoanLossesAbstract" xlink:label="LoansNetOfAllowanceForLoanLossesAbstract" xlink:title="LoansNetOfAllowanceForLoanLossesAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansNetOfAllowanceForLoanLossesAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LoansNetOfAllowanceForLoanLossesAbstract_lbl1" xml:lang="en-US" id="fnlc_LoansNetOfAllowanceForLoanLossesAbstract_lbl1">Loans (net of allowance for loan losses) [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansNetOfAllowanceForLoanLossesAbstract" xlink:to="fnlc_LoansNetOfAllowanceForLoanLossesAbstract_lbl1" xlink:title="label: LoansNetOfAllowanceForLoanLossesAbstract to fnlc_LoansNetOfAllowanceForLoanLossesAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CommercialAbstract" xlink:label="CommercialAbstract" xlink:title="CommercialAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_CommercialAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CommercialAbstract_lbl1" xml:lang="en-US" id="fnlc_CommercialAbstract_lbl1">Commercial [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CommercialAbstract" xlink:to="fnlc_CommercialAbstract_lbl1" xlink:title="label: CommercialAbstract to fnlc_CommercialAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ResidentialAbstract" xlink:label="ResidentialAbstract" xlink:title="ResidentialAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_ResidentialAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ResidentialAbstract_lbl1" xml:lang="en-US" id="fnlc_ResidentialAbstract_lbl1">Residential [Abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ResidentialAbstract" xlink:to="fnlc_ResidentialAbstract_lbl1" xlink:title="label: ResidentialAbstract to fnlc_ResidentialAbstract_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LoansAndLeasesReceivableNetReportedAmountResidential" xlink:label="LoansAndLeasesReceivableNetReportedAmountResidential" xlink:title="LoansAndLeasesReceivableNetReportedAmountResidential" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl" xml:lang="en-US" id="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl">Reflects the aggregate carrying amount of all residential loans and leases held in portfolio, net of unearned income and the allowance for losses on residential loans and leases.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmountResidential" xlink:to="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl" xlink:title="label: LoansAndLeasesReceivableNetReportedAmountResidential to fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl1" xml:lang="en-US" id="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl1">Loans and Leases Receivable, Net Reported Amount, Residential</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmountResidential" xlink:to="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl1" xlink:title="label: LoansAndLeasesReceivableNetReportedAmountResidential to fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl2" xml:lang="en-US" id="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl2">Loans</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LoansAndLeasesReceivableNetReportedAmountResidential" xlink:to="fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl2" xlink:title="label: LoansAndLeasesReceivableNetReportedAmountResidential to fnlc_LoansAndLeasesReceivableNetReportedAmountResidential_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_HomeEquityLineOfCredit" xlink:label="HomeEquityLineOfCredit" xlink:title="HomeEquityLineOfCredit" />
    <link:label xlink:type="resource" xlink:label="fnlc_HomeEquityLineOfCredit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_HomeEquityLineOfCredit_lbl" xml:lang="en-US" id="fnlc_HomeEquityLineOfCredit_lbl">Reflects the aggregate carrying amount of all home equity loans held in portfolio, net of unearned income and the allowance for losses on home equity loans.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="HomeEquityLineOfCredit" xlink:to="fnlc_HomeEquityLineOfCredit_lbl" xlink:title="label: HomeEquityLineOfCredit to fnlc_HomeEquityLineOfCredit_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_HomeEquityLineOfCredit_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_HomeEquityLineOfCredit_lbl1" xml:lang="en-US" id="fnlc_HomeEquityLineOfCredit_lbl1">Home Equity Line Of Credit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="HomeEquityLineOfCredit" xlink:to="fnlc_HomeEquityLineOfCredit_lbl1" xlink:title="label: HomeEquityLineOfCredit to fnlc_HomeEquityLineOfCredit_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_HomeEquityLineOfCredit_lbl2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:title="fnlc_HomeEquityLineOfCredit_lbl2" xml:lang="en-US" id="fnlc_HomeEquityLineOfCredit_lbl2">Home equity line of credit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="HomeEquityLineOfCredit" xlink:to="fnlc_HomeEquityLineOfCredit_lbl2" xlink:title="label: HomeEquityLineOfCredit to fnlc_HomeEquityLineOfCredit_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AccruedInterestReceivableFairValueDisclosure" xlink:label="AccruedInterestReceivableFairValueDisclosure" xlink:title="AccruedInterestReceivableFairValueDisclosure" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl" xml:lang="en-US" id="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl">Represents the portion of the balance sheet assertion valued at fair value whether such amount is presented as a separate caption or as a parenthetical disclosure. Element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. May be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for accrued interest receivable.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestReceivableFairValueDisclosure" xlink:to="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl" xlink:title="label: AccruedInterestReceivableFairValueDisclosure to fnlc_AccruedInterestReceivableFairValueDisclosure_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl1" xml:lang="en-US" id="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl1">Accrued Interest Receivable Fair Value Disclosure</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestReceivableFairValueDisclosure" xlink:to="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl1" xlink:title="label: AccruedInterestReceivableFairValueDisclosure to fnlc_AccruedInterestReceivableFairValueDisclosure_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl2" xml:lang="en-US" id="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl2">Accrued interest receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccruedInterestReceivableFairValueDisclosure" xlink:to="fnlc_AccruedInterestReceivableFairValueDisclosure_lbl2" xlink:title="label: AccruedInterestReceivableFairValueDisclosure to fnlc_AccruedInterestReceivableFairValueDisclosure_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_NationalCertificatesOfDeposit" xlink:label="NationalCertificatesOfDeposit" xlink:title="NationalCertificatesOfDeposit" />
    <link:label xlink:type="resource" xlink:label="fnlc_NationalCertificatesOfDeposit_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_NationalCertificatesOfDeposit_lbl" xml:lang="en-US" id="fnlc_NationalCertificatesOfDeposit_lbl">The aggregate amount of national time deposits, including certificates of deposits, individual retirement accounts and open accounts.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NationalCertificatesOfDeposit" xlink:to="fnlc_NationalCertificatesOfDeposit_lbl" xlink:title="label: NationalCertificatesOfDeposit to fnlc_NationalCertificatesOfDeposit_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_NationalCertificatesOfDeposit_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_NationalCertificatesOfDeposit_lbl1" xml:lang="en-US" id="fnlc_NationalCertificatesOfDeposit_lbl1">National Certificates of Deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NationalCertificatesOfDeposit" xlink:to="fnlc_NationalCertificatesOfDeposit_lbl1" xlink:title="label: NationalCertificatesOfDeposit to fnlc_NationalCertificatesOfDeposit_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock" xlink:label="ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock" xlink:title="ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl" xml:lang="en-US" id="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl">Tabular disclosure of each detailed component of other operating income and expense that are applicable, but not separately disclosed in the income statement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock" xlink:to="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl" xlink:title="label: ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock to fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl1">Schedule Of Other Operating Income And Expense [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock" xlink:to="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl1" xlink:title="label: ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock to fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl2">Other operating income and expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock" xlink:to="fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl2" xlink:title="label: ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock to fnlc_ScheduleOfOtherOperatingIncomeAndExpenseTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_PercentageOfRevenueUseAsThresholdForReporting" xlink:label="PercentageOfRevenueUseAsThresholdForReporting" xlink:title="PercentageOfRevenueUseAsThresholdForReporting" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl" xml:lang="en-US" id="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl">This element describes the percentage of revenue that the components of other operating income and expenses are greater than and included in detailed reporting.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfRevenueUseAsThresholdForReporting" xlink:to="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl" xlink:title="label: PercentageOfRevenueUseAsThresholdForReporting to fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl1" xml:lang="en-US" id="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl1">Percentage Of Revenue Use As Threshold For Reporting</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfRevenueUseAsThresholdForReporting" xlink:to="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl1" xlink:title="label: PercentageOfRevenueUseAsThresholdForReporting to fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl2" xml:lang="en-US" id="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl2">Percentage of revenues use as threshold (in hundredths)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PercentageOfRevenueUseAsThresholdForReporting" xlink:to="fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl2" xlink:title="label: PercentageOfRevenueUseAsThresholdForReporting to fnlc_PercentageOfRevenueUseAsThresholdForReporting_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ComponentOfOtherOperatingIncomeAndExpenseTable" xlink:label="ComponentOfOtherOperatingIncomeAndExpenseTable" xlink:title="ComponentOfOtherOperatingIncomeAndExpenseTable" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComponentOfOtherOperatingIncomeAndExpenseTable_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ComponentOfOtherOperatingIncomeAndExpenseTable_lbl1" xml:lang="en-US" id="fnlc_ComponentOfOtherOperatingIncomeAndExpenseTable_lbl1">Component of Other Operating Income And Expense [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComponentOfOtherOperatingIncomeAndExpenseTable" xlink:to="fnlc_ComponentOfOtherOperatingIncomeAndExpenseTable_lbl1" xlink:title="label: ComponentOfOtherOperatingIncomeAndExpenseTable to fnlc_ComponentOfOtherOperatingIncomeAndExpenseTable_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis" xlink:label="ComponentOfOtherOperatingIncomeAndExpenseAxis" xlink:title="ComponentOfOtherOperatingIncomeAndExpenseAxis" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl" xml:lang="en-US" id="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl">The group of components of other operating income and expenses that are separately disclosed in the income statement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComponentOfOtherOperatingIncomeAndExpenseAxis" xlink:to="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl" xlink:title="label: ComponentOfOtherOperatingIncomeAndExpenseAxis to fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl1" xml:lang="en-US" id="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl1">Component of Other Operating Income And Expense [Axis]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComponentOfOtherOperatingIncomeAndExpenseAxis" xlink:to="fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl1" xlink:title="label: ComponentOfOtherOperatingIncomeAndExpenseAxis to fnlc_ComponentOfOtherOperatingIncomeAndExpenseAxis_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain" xlink:label="ComponentOfOtherOperatingIncomeAndExpenseDomain" xlink:title="ComponentOfOtherOperatingIncomeAndExpenseDomain" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl" xml:lang="en-US" id="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl">Name of each detailed component of other operating income and expenses that are not separately disclosed in the income statement.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComponentOfOtherOperatingIncomeAndExpenseDomain" xlink:to="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl" xlink:title="label: ComponentOfOtherOperatingIncomeAndExpenseDomain to fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl1" xml:lang="en-US" id="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl1">Component of Other Operating Income And Expense [Domain]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComponentOfOtherOperatingIncomeAndExpenseDomain" xlink:to="fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl1" xlink:title="label: ComponentOfOtherOperatingIncomeAndExpenseDomain to fnlc_ComponentOfOtherOperatingIncomeAndExpenseDomain_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember" xlink:label="CollectionsForeclosuresOtherRealEstateOwnedExpenseMember" xlink:title="CollectionsForeclosuresOtherRealEstateOwnedExpenseMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl" xml:lang="en-US" id="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl">Expenses derived from the process of collecting receivables, processing foreclosures and managing other real estate owned.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollectionsForeclosuresOtherRealEstateOwnedExpenseMember" xlink:to="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl" xlink:title="label: CollectionsForeclosuresOtherRealEstateOwnedExpenseMember to fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl1" xml:lang="en-US" id="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl1">Collections/Foreclosures/Other Real Estate Owned Expense [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CollectionsForeclosuresOtherRealEstateOwnedExpenseMember" xlink:to="fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl1" xlink:title="label: CollectionsForeclosuresOtherRealEstateOwnedExpenseMember to fnlc_CollectionsForeclosuresOtherRealEstateOwnedExpenseMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_MerchantCreditCardProcessingIncomeMember" xlink:label="MerchantCreditCardProcessingIncomeMember" xlink:title="MerchantCreditCardProcessingIncomeMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_MerchantCreditCardProcessingIncomeMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_MerchantCreditCardProcessingIncomeMember_lbl" xml:lang="en-US" id="fnlc_MerchantCreditCardProcessingIncomeMember_lbl">Income derived from processing merchant credit card transactions of other financial institutions.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MerchantCreditCardProcessingIncomeMember" xlink:to="fnlc_MerchantCreditCardProcessingIncomeMember_lbl" xlink:title="label: MerchantCreditCardProcessingIncomeMember to fnlc_MerchantCreditCardProcessingIncomeMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_MerchantCreditCardProcessingIncomeMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_MerchantCreditCardProcessingIncomeMember_lbl1" xml:lang="en-US" id="fnlc_MerchantCreditCardProcessingIncomeMember_lbl1">Merchant Credit Card Processing Income [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MerchantCreditCardProcessingIncomeMember" xlink:to="fnlc_MerchantCreditCardProcessingIncomeMember_lbl1" xlink:title="label: MerchantCreditCardProcessingIncomeMember to fnlc_MerchantCreditCardProcessingIncomeMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AtmAndDebitCardIncomeMember" xlink:label="AtmAndDebitCardIncomeMember" xlink:title="AtmAndDebitCardIncomeMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_AtmAndDebitCardIncomeMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AtmAndDebitCardIncomeMember_lbl" xml:lang="en-US" id="fnlc_AtmAndDebitCardIncomeMember_lbl">Income derived from processing ATM and debit card transaction fees.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AtmAndDebitCardIncomeMember" xlink:to="fnlc_AtmAndDebitCardIncomeMember_lbl" xlink:title="label: AtmAndDebitCardIncomeMember to fnlc_AtmAndDebitCardIncomeMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AtmAndDebitCardIncomeMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AtmAndDebitCardIncomeMember_lbl1" xml:lang="en-US" id="fnlc_AtmAndDebitCardIncomeMember_lbl1">ATM And Debit Card Income [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AtmAndDebitCardIncomeMember" xlink:to="fnlc_AtmAndDebitCardIncomeMember_lbl1" xlink:title="label: AtmAndDebitCardIncomeMember to fnlc_AtmAndDebitCardIncomeMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember" xlink:label="GainOnSaleOfMerchantCreditCardProcessingPortfolioMember" xlink:title="GainOnSaleOfMerchantCreditCardProcessingPortfolioMember" />
    <link:label xlink:type="resource" xlink:label="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl" xml:lang="en-US" id="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl">Income derived from the gain on the sale of merchant credit card processing portfolio.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainOnSaleOfMerchantCreditCardProcessingPortfolioMember" xlink:to="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl" xlink:title="label: GainOnSaleOfMerchantCreditCardProcessingPortfolioMember to fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl1" xml:lang="en-US" id="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl1">Gain on Sale of Merchant Credit Card Processing Portfolio [Member]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainOnSaleOfMerchantCreditCardProcessingPortfolioMember" xlink:to="fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl1" xlink:title="label: GainOnSaleOfMerchantCreditCardProcessingPortfolioMember to fnlc_GainOnSaleOfMerchantCreditCardProcessingPortfolioMember_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems" xlink:label="ComponentOfOtherOperatingIncomeAndExpenseLineItems" xlink:title="ComponentOfOtherOperatingIncomeAndExpenseLineItems" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl" xml:lang="en-US" id="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl">Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComponentOfOtherOperatingIncomeAndExpenseLineItems" xlink:to="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl" xlink:title="label: ComponentOfOtherOperatingIncomeAndExpenseLineItems to fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl1" xml:lang="en-US" id="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl1">Component of Other Operating Income And Expense [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComponentOfOtherOperatingIncomeAndExpenseLineItems" xlink:to="fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl1" xlink:title="label: ComponentOfOtherOperatingIncomeAndExpenseLineItems to fnlc_ComponentOfOtherOperatingIncomeAndExpenseLineItems_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_AtmAndInterchangeExpense" xlink:label="AtmAndInterchangeExpense" xlink:title="AtmAndInterchangeExpense" />
    <link:label xlink:type="resource" xlink:label="fnlc_AtmAndInterchangeExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_AtmAndInterchangeExpense_lbl" xml:lang="en-US" id="fnlc_AtmAndInterchangeExpense_lbl">Fees incurred from processing ATM and debit card transaction fees.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AtmAndInterchangeExpense" xlink:to="fnlc_AtmAndInterchangeExpense_lbl" xlink:title="label: AtmAndInterchangeExpense to fnlc_AtmAndInterchangeExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_AtmAndInterchangeExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_AtmAndInterchangeExpense_lbl1" xml:lang="en-US" id="fnlc_AtmAndInterchangeExpense_lbl1">ATM and interchange expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AtmAndInterchangeExpense" xlink:to="fnlc_AtmAndInterchangeExpense_lbl1" xlink:title="label: AtmAndInterchangeExpense to fnlc_AtmAndInterchangeExpense_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_LegalFeesAndExpenses" xlink:label="LegalFeesAndExpenses" xlink:title="LegalFeesAndExpenses" />
    <link:label xlink:type="resource" xlink:label="fnlc_LegalFeesAndExpenses_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_LegalFeesAndExpenses_lbl" xml:lang="en-US" id="fnlc_LegalFeesAndExpenses_lbl">Legal fees and expenses.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LegalFeesAndExpenses" xlink:to="fnlc_LegalFeesAndExpenses_lbl" xlink:title="label: LegalFeesAndExpenses to fnlc_LegalFeesAndExpenses_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_LegalFeesAndExpenses_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_LegalFeesAndExpenses_lbl1" xml:lang="en-US" id="fnlc_LegalFeesAndExpenses_lbl1">Legal fees and expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LegalFeesAndExpenses" xlink:to="fnlc_LegalFeesAndExpenses_lbl1" xlink:title="label: LegalFeesAndExpenses to fnlc_LegalFeesAndExpenses_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_CondensedFinancialInformationForParentTableTextBlock" xlink:label="CondensedFinancialInformationForParentTableTextBlock" xlink:title="CondensedFinancialInformationForParentTableTextBlock" />
    <link:label xlink:type="resource" xlink:label="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl" xml:lang="en-US" id="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl">Tabular disclosure of the condensed financial information of the Parent Company.</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationForParentTableTextBlock" xlink:to="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl" xlink:title="label: CondensedFinancialInformationForParentTableTextBlock to fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl1" xml:lang="en-US" id="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl1">Condensed financial information for The Parent [Table Text Block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationForParentTableTextBlock" xlink:to="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl1" xlink:title="label: CondensedFinancialInformationForParentTableTextBlock to fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl1" />
    <link:label xlink:type="resource" xlink:label="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:title="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl2" xml:lang="en-US" id="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl2">Condensed financial information for Parent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CondensedFinancialInformationForParentTableTextBlock" xlink:to="fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl2" xlink:title="label: CondensedFinancialInformationForParentTableTextBlock to fnlc_CondensedFinancialInformationForParentTableTextBlock_lbl2" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TotalIncome" xlink:label="TotalIncome" xlink:title="TotalIncome" />
    <link:label xlink:type="resource" xlink:label="fnlc_TotalIncome_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TotalIncome_lbl" xml:lang="en-US" id="fnlc_TotalIncome_lbl">Total parent level income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TotalIncome" xlink:to="fnlc_TotalIncome_lbl" xlink:title="label: TotalIncome to fnlc_TotalIncome_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TotalIncome_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TotalIncome_lbl1" xml:lang="en-US" id="fnlc_TotalIncome_lbl1">Total income</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TotalIncome" xlink:to="fnlc_TotalIncome_lbl1" xlink:title="label: TotalIncome to fnlc_TotalIncome_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_OccupancyExpenses" xlink:label="OccupancyExpenses" xlink:title="OccupancyExpenses" />
    <link:label xlink:type="resource" xlink:label="fnlc_OccupancyExpenses_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_OccupancyExpenses_lbl" xml:lang="en-US" id="fnlc_OccupancyExpenses_lbl">Expenses a parent level related to building and fixtures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OccupancyExpenses" xlink:to="fnlc_OccupancyExpenses_lbl" xlink:title="label: OccupancyExpenses to fnlc_OccupancyExpenses_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_OccupancyExpenses_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_OccupancyExpenses_lbl1" xml:lang="en-US" id="fnlc_OccupancyExpenses_lbl1">Occupancy expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OccupancyExpenses" xlink:to="fnlc_OccupancyExpenses_lbl1" xlink:title="label: OccupancyExpenses to fnlc_OccupancyExpenses_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_TotalExpense" xlink:label="TotalExpense" xlink:title="TotalExpense" />
    <link:label xlink:type="resource" xlink:label="fnlc_TotalExpense_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_TotalExpense_lbl" xml:lang="en-US" id="fnlc_TotalExpense_lbl">Total expense at parent level</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TotalExpense" xlink:to="fnlc_TotalExpense_lbl" xlink:title="label: TotalExpense to fnlc_TotalExpense_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_TotalExpense_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_TotalExpense_lbl1" xml:lang="en-US" id="fnlc_TotalExpense_lbl1">Total expense</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="TotalExpense" xlink:to="fnlc_TotalExpense_lbl1" xlink:title="label: TotalExpense to fnlc_TotalExpense_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_IncomeLossBeforeBankEarnings" xlink:label="IncomeLossBeforeBankEarnings" xlink:title="IncomeLossBeforeBankEarnings" />
    <link:label xlink:type="resource" xlink:label="fnlc_IncomeLossBeforeBankEarnings_lbl" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:title="fnlc_IncomeLossBeforeBankEarnings_lbl" xml:lang="en-US" id="fnlc_IncomeLossBeforeBankEarnings_lbl">Income (loss) before Bank Earnings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeLossBeforeBankEarnings" xlink:to="fnlc_IncomeLossBeforeBankEarnings_lbl" xlink:title="label: IncomeLossBeforeBankEarnings to fnlc_IncomeLossBeforeBankEarnings_lbl" />
    <link:label xlink:type="resource" xlink:label="fnlc_IncomeLossBeforeBankEarnings_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_IncomeLossBeforeBankEarnings_lbl1" xml:lang="en-US" id="fnlc_IncomeLossBeforeBankEarnings_lbl1">Income (loss) before Bank earnings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncomeLossBeforeBankEarnings" xlink:to="fnlc_IncomeLossBeforeBankEarnings_lbl1" xlink:title="label: IncomeLossBeforeBankEarnings to fnlc_IncomeLossBeforeBankEarnings_lbl1" />
    <link:loc xlink:type="locator" xlink:href="fnlc-20121231.xsd#fnlc_EquityInEarningsOfBankAbstract" xlink:label="EquityInEarningsOfBankAbstract" xlink:title="EquityInEarningsOfBankAbstract" />
    <link:label xlink:type="resource" xlink:label="fnlc_EquityInEarningsOfBankAbstract_lbl1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="fnlc_EquityInEarningsOfBankAbstract_lbl1" xml:lang="en-US" id="fnlc_EquityInEarningsOfBankAbstract_lbl1">Equity in earnings of Bank [Abstract]</link:label>
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</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>14
<FILENAME>fnlc-20121231_pre.xml
<TEXT>
<XBRL>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Premises and Equipment (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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                <p>Tabular disclosure of the useful life and salvage value of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>The calculated weighted-average amortization period of a major class of finite-lived intangible assets acquired during the current period either individually or as part of a group of assets (in either an asset acquisition or business combination). A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16225-109274<br><br><br><br></p>
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          <div style="width: 200px;"><strong>Regulatory Capital Requirements (Tables)<br></strong></div>
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        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The actual and minimum capital amounts and ratios for the Bank are presented in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">adequacy</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">under prompt corrective</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Actual</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">purposes</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div style="text-align: center; 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color: #000000; font-size: 10pt;">8.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">10.00</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">%</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Tier 1 capital to</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">114,419,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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                <p>Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBPBI">
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          <div style="width: 200px;"><strong>Stock Options and Stock-Based Compensation (Details) (USD $)<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod', window );">Granted in 2012 (in shares)</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised', window );">Exercised in 2012 (in shares)</a></td>
        <td class="num">(9,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod', window );">Forfeited in 2012 (in shares)</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Outstanding, end of period (in shares)</a></td>
        <td class="nump">42,000<span></span></td>
        <td class="nump">51,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber', window );">Exercisable, end of period (in shares)</a></td>
        <td class="nump">42,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award, Options, Additional Disclosures [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding options, weighted average exercise price, beginning of period (in dollars per share)</a></td>
        <td class="nump">$ 16.47<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice', window );">Granted options, weighted average exercise price (in dollars per share)</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice', window );">Exercised options, weighted average exercise price (in dollars per share)</a></td>
        <td class="nump">$ 9.33<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice', window );">Forfeited options, weighted average exercise price (in dollars per share)</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice', window );">Outstanding options, weighted average exercise price, end of period (in dollars per share)</a></td>
        <td class="nump">$ 18.00<span></span></td>
        <td class="nump">$ 16.47<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice', window );">Exercisable options, weighted average exercise price, end of period (in dollars per share)</a></td>
        <td class="nump">$ 18.00<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm1', window );">Outstanding options, end of period, weighted average remaining contractual term (in years)</a></td>
        <td class="nump">2.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm', window );">Exercisable options, end of period, weighted average remaining contractual term (in years)</a></td>
        <td class="nump">2.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ExercisedOptionsAggregateIntrinsicValue', window );">Exercised options, aggregate intrinsic value</a></td>
        <td class="nump">59,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue', window );">Outstanding options, end of period, aggregate intrinsic value</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1', window );">Exercisable options, end of period, aggregate intrinsic value</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Restricted Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted stock granted (in shares)</a></td>
        <td class="nump">19,727<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period</a></td>
        <td class="nump">3.4<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">3 Years [Member] | Restricted Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1</a></td>
        <td class="nump">3.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted stock granted (in shares)</a></td>
        <td class="nump">2,027<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period</a></td>
        <td class="nump">2.2<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">2011 Plan [Member] | 4 Years [Member] | Restricted Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1</a></td>
        <td class="nump">4.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted stock granted (in shares)</a></td>
        <td class="nump">1,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period</a></td>
        <td class="nump">2.1<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">2011 Plan [Member] | 5 Years [Member] | Restricted Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1</a></td>
        <td class="nump">5.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted stock granted (in shares)</a></td>
        <td class="nump">5,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period</a></td>
        <td class="nump">3.1<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">2012 Plan [Member] | 4 Years [Member] | Restricted Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1</a></td>
        <td class="nump">4.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted stock granted (in shares)</a></td>
        <td class="nump">2,704<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period</a></td>
        <td class="nump">3.2<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">2012 Plan [Member] | 5 Years [Member] | Restricted Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1', window );">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period 1</a></td>
        <td class="nump">5.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Restricted stock granted (in shares)</a></td>
        <td class="nump">7,996<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod', window );">Share-based Compensation Arrangement by Share-based Payment Award, Remaining Award Vesting Period</a></td>
        <td class="nump">4.2<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">1995 Plan [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems', window );"><strong>Share-based Compensation Arrangement by Share-based Payment Award [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod', window );">Granted in 1995 (in shares)</a></td>
        <td class="nump">600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward', window );"><strong>Summary of status and changes of Stock Option Plan [Roll Forward]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod', window );">Granted in 2012 (in shares)</a></td>
        <td class="nump">600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ExercisedOptionsAggregateIntrinsicValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate intrinsic value on shares exercised.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ExercisedOptionsAggregateIntrinsicValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_PercentageOfOptionsVestingFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage of options vesting five years to total option plan as of the balance sheet date if other than 100 percent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_PercentageOfOptionsVestingFiveYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_PercentageOfOptionsVestingTwoYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage of options vesting two years to total option plan as of the balance sheet date if other than 100 percent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_PercentageOfOptionsVestingTwoYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of the period of time over which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:decimalItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of the remaining period of time over which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, which may be expressed in a variety of ways (for example, in years, month and year).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ShareBasedCompensationArrangementByShareBasedPaymentAwardRemainingAwardVestingPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:decimalItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_VestingTermForFinalTrancheOfOptiosAwarded">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of the period of time over which an employee's right to exercise the final tranche of options awarded is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, which may be expressed in a variety of ways (for example, in years, month and year).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_VestingTermForFinalTrancheOfOptiosAwarded</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_VestingTermForFirstTrancheOfOptiosAwarded">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of the period of time over which an employee's right to exercise the first tranche of options awarded is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, which may be expressed in a variety of ways (for example, in years, month and year).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_VestingTermForFirstTrancheOfOptiosAwarded</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllocatedShareBasedCompensationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph g(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 14.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6793087&amp;loc=d3e301413-122809<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br> -Section F<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllocatedShareBasedCompensationExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockCapitalSharesReservedForFutureIssuance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate number of common shares reserved for future issuance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockCapitalSharesReservedForFutureIssuance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the aggregate unrecognized cost of equity-based awards made to employees under equity-based compensation awards that have yet to vest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriodMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum vesting term over which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriodMaximum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:dateStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity-based compensation cost during the period with respect to the award, which will be recognized in income (as well as the total recognized tax benefit) or capitalized as part of the cost of an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6406099&amp;loc=d3e25284-112666<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64, 65<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph g(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(2)(c)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(2)(iii)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAdditionalDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total dollar difference between fair values of the underlying shares reserved for issuance and exercise prices of vested portions of options outstanding and currently exercisable under the option plan as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares into which fully or partially vested stock options outstanding as of the balance sheet date can be currently converted under the option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(c), d(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted-average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on vested portions of options outstanding and currently exercisable under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(c)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average period between the balance sheet date and expiration for all vested portions of options outstanding and currently exercisable (or convertible) under the plan, which may be expressed in a decimal value for number of years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:decimalItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average price at which option holders acquired shares when converting their stock options into shares under the plan during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(e)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The combined weighted average exercise price associated with stock options during the period that have either lapsed or been forfeited.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(3)-(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(f)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net number of share options (or share units) granted during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(d)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average price as of the balance sheet date at which grantees can acquire the shares reserved for issuance on stock options awarded under the plan during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(d)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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                <p>The total dollar difference between fair values of the underlying shares reserved for issuance and exercise prices pertaining to options outstanding under the plan as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph d(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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                <p>The number of shares reserved for issuance under stock option agreements awarded under the plan that validly exist and are outstanding as of the balance sheet date, including vested options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(b)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The weighted average price as of the beginning of the year at which grantees can acquire the shares reserved for issuance under the stock option plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                <p>The weighted average period between the balance sheet date and expiration for all awards outstanding under the plan, which may be expressed in a decimal value for number of years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (e)(1)<br><br> -SubTopic 10<br><br> -Topic 718<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of share options (or share units) exercised during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBG">
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          <div style="width: 200px;"><strong>Cash and Cash Equivalents (Details) (USD $)<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensatingBalanceAmount', window );">Contractual clearing balance</a></td>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of a specific compensating balance arrangement that is maintained under an agreement for a bank loan or future credit availability.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CompensatingBalanceAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCashAndCashEquivalents">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amounts of cash and cash equivalent items which are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. This element is for unclassified presentations; for classified presentations there is a separate and distinct element.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 80<br><br> -Subparagraph Exhibit 4-8, 3<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RestrictedCashAndCashEquivalents</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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<DOCUMENT>
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<SEQUENCE>20
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYBAK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Quarterly Information (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2011</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Balance Sheets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash</a></td>
        <td class="nump">$ 14,958,000<span></span></td>
        <td class="nump">$ 14,904,000<span></span></td>
        <td class="nump">$ 14,192,000<span></span></td>
        <td class="nump">$ 12,123,000<span></span></td>
        <td class="nump">$ 14,115,000<span></span></td>
        <td class="nump">$ 16,563,000<span></span></td>
        <td class="nump">$ 14,322,000<span></span></td>
        <td class="nump">$ 13,700,000<span></span></td>
        <td class="nump">$ 14,958,000<span></span></td>
        <td class="nump">$ 14,115,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalFundsSold', window );">Interest bearing deposits in other banks</a></td>
        <td class="nump">1,638,000<span></span></td>
        <td class="nump">681,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,532,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">100,000<span></span></td>
        <td class="nump">100,000<span></span></td>
        <td class="nump">100,000<span></span></td>
        <td class="nump">1,638,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Investments', window );">Investments</a></td>
        <td class="nump">434,934,000<span></span></td>
        <td class="nump">454,156,000<span></span></td>
        <td class="nump">443,122,000<span></span></td>
        <td class="nump">454,717,000<span></span></td>
        <td class="nump">408,863,000<span></span></td>
        <td class="nump">456,481,000<span></span></td>
        <td class="nump">427,248,000<span></span></td>
        <td class="nump">435,387,000<span></span></td>
        <td class="nump">434,934,000<span></span></td>
        <td class="nump">408,863,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FederalHomeLoanBankAndFederalReserveBankStockAtCost', window );">Restricted equity securities</a></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="nump">14,823,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansAndLeaseReceivableNet', window );">Net loans for sale and loans held</a></td>
        <td class="nump">857,819,000<span></span></td>
        <td class="nump">855,132,000<span></span></td>
        <td class="nump">867,808,000<span></span></td>
        <td class="nump">858,122,000<span></span></td>
        <td class="nump">851,988,000<span></span></td>
        <td class="nump">853,484,000<span></span></td>
        <td class="nump">872,314,000<span></span></td>
        <td class="nump">881,134,000<span></span></td>
        <td class="nump">857,819,000<span></span></td>
        <td class="nump">851,988,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsMiscellaneous', window );">Other assets</a></td>
        <td class="nump">91,202,000<span></span></td>
        <td class="nump">83,995,000<span></span></td>
        <td class="nump">85,187,000<span></span></td>
        <td class="nump">82,475,000<span></span></td>
        <td class="nump">82,458,000<span></span></td>
        <td class="nump">84,967,000<span></span></td>
        <td class="nump">88,263,000<span></span></td>
        <td class="nump">85,274,000<span></span></td>
        <td class="nump">91,202,000<span></span></td>
        <td class="nump">82,458,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,423,316,000<span></span></td>
        <td class="nump">1,424,757,000<span></span></td>
        <td class="nump">1,423,792,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="nump">1,427,038,000<span></span></td>
        <td class="nump">1,417,690,000<span></span></td>
        <td class="nump">1,431,038,000<span></span></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">958,850,000<span></span></td>
        <td class="nump">944,547,000<span></span></td>
        <td class="nump">1,005,274,000<span></span></td>
        <td class="nump">1,015,835,000<span></span></td>
        <td class="nump">941,333,000<span></span></td>
        <td class="nump">1,004,894,000<span></span></td>
        <td class="nump">998,838,000<span></span></td>
        <td class="nump">1,050,257,000<span></span></td>
        <td class="nump">958,850,000<span></span></td>
        <td class="nump">941,333,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements', window );">Borrowed funds</a></td>
        <td class="nump">282,905,000<span></span></td>
        <td class="nump">304,749,000<span></span></td>
        <td class="nump">248,926,000<span></span></td>
        <td class="nump">240,151,000<span></span></td>
        <td class="nump">265,663,000<span></span></td>
        <td class="nump">255,616,000<span></span></td>
        <td class="nump">249,336,000<span></span></td>
        <td class="nump">217,534,000<span></span></td>
        <td class="nump">282,905,000<span></span></td>
        <td class="nump">265,663,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">16,921,000<span></span></td>
        <td class="nump">17,383,000<span></span></td>
        <td class="nump">17,152,000<span></span></td>
        <td class="nump">16,213,000<span></span></td>
        <td class="nump">15,013,000<span></span></td>
        <td class="nump">15,990,000<span></span></td>
        <td class="nump">13,306,000<span></span></td>
        <td class="nump">11,703,000<span></span></td>
        <td class="nump">16,921,000<span></span></td>
        <td class="nump">15,013,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Shareholders' equity</a></td>
        <td class="nump">156,323,000<span></span></td>
        <td class="nump">156,637,000<span></span></td>
        <td class="nump">153,405,000<span></span></td>
        <td class="nump">151,593,000<span></span></td>
        <td class="nump">150,858,000<span></span></td>
        <td class="nump">150,538,000<span></span></td>
        <td class="nump">156,210,000<span></span></td>
        <td class="nump">151,544,000<span></span></td>
        <td class="nump">156,323,000<span></span></td>
        <td class="nump">150,858,000<span></span></td>
        <td class="nump">149,848,000<span></span></td>
        <td class="nump">147,938,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,423,316,000<span></span></td>
        <td class="nump">1,424,757,000<span></span></td>
        <td class="nump">1,423,792,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="nump">1,427,038,000<span></span></td>
        <td class="nump">1,417,690,000<span></span></td>
        <td class="nump">1,431,038,000<span></span></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementAbstract', window );"><strong>Statements of Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Interest income</a></td>
        <td class="nump">12,694,000<span></span></td>
        <td class="nump">12,892,000<span></span></td>
        <td class="nump">13,133,000<span></span></td>
        <td class="nump">13,106,000<span></span></td>
        <td class="nump">13,553,000<span></span></td>
        <td class="nump">13,898,000<span></span></td>
        <td class="nump">13,997,000<span></span></td>
        <td class="nump">14,254,000<span></span></td>
        <td class="nump">51,825,000<span></span></td>
        <td class="nump">55,702,000<span></span></td>
        <td class="nump">57,260,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">3,201,000<span></span></td>
        <td class="nump">3,222,000<span></span></td>
        <td class="nump">3,215,000<span></span></td>
        <td class="nump">3,300,000<span></span></td>
        <td class="nump">3,516,000<span></span></td>
        <td class="nump">3,670,000<span></span></td>
        <td class="nump">3,774,000<span></span></td>
        <td class="nump">3,749,000<span></span></td>
        <td class="nump">12,938,000<span></span></td>
        <td class="nump">14,709,000<span></span></td>
        <td class="nump">16,671,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">9,493,000<span></span></td>
        <td class="nump">9,670,000<span></span></td>
        <td class="nump">9,918,000<span></span></td>
        <td class="nump">9,806,000<span></span></td>
        <td class="nump">10,037,000<span></span></td>
        <td class="nump">10,228,000<span></span></td>
        <td class="nump">10,223,000<span></span></td>
        <td class="nump">10,505,000<span></span></td>
        <td class="nump">38,887,000<span></span></td>
        <td class="nump">40,993,000<span></span></td>
        <td class="nump">40,589,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
        <td class="nump">1,535,000<span></span></td>
        <td class="nump">1,400,000<span></span></td>
        <td class="nump">2,800,000<span></span></td>
        <td class="nump">2,100,000<span></span></td>
        <td class="nump">4,950,000<span></span></td>
        <td class="nump">1,500,000<span></span></td>
        <td class="nump">2,000,000<span></span></td>
        <td class="nump">2,100,000<span></span></td>
        <td class="nump">7,835,000<span></span></td>
        <td class="nump">10,550,000<span></span></td>
        <td class="nump">8,400,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for loan losses</a></td>
        <td class="nump">7,958,000<span></span></td>
        <td class="nump">8,270,000<span></span></td>
        <td class="nump">7,118,000<span></span></td>
        <td class="nump">7,706,000<span></span></td>
        <td class="nump">5,087,000<span></span></td>
        <td class="nump">8,728,000<span></span></td>
        <td class="nump">8,223,000<span></span></td>
        <td class="nump">8,405,000<span></span></td>
        <td class="nump">31,052,000<span></span></td>
        <td class="nump">30,443,000<span></span></td>
        <td class="nump">32,189,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Non-interest income</a></td>
        <td class="nump">2,722,000<span></span></td>
        <td class="nump">2,492,000<span></span></td>
        <td class="nump">3,896,000<span></span></td>
        <td class="nump">2,168,000<span></span></td>
        <td class="nump">5,159,000<span></span></td>
        <td class="nump">2,080,000<span></span></td>
        <td class="nump">2,234,000<span></span></td>
        <td class="nump">2,277,000<span></span></td>
        <td class="nump">11,278,000<span></span></td>
        <td class="nump">11,750,000<span></span></td>
        <td class="nump">9,135,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Non-interest expense</a></td>
        <td class="nump">6,768,000<span></span></td>
        <td class="nump">6,595,000<span></span></td>
        <td class="nump">6,730,000<span></span></td>
        <td class="nump">6,178,000<span></span></td>
        <td class="nump">6,366,000<span></span></td>
        <td class="nump">6,934,000<span></span></td>
        <td class="nump">6,250,000<span></span></td>
        <td class="nump">6,488,000<span></span></td>
        <td class="nump">26,271,000<span></span></td>
        <td class="nump">26,038,000<span></span></td>
        <td class="nump">25,130,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) before income taxes</a></td>
        <td class="nump">3,912,000<span></span></td>
        <td class="nump">4,167,000<span></span></td>
        <td class="nump">4,284,000<span></span></td>
        <td class="nump">3,696,000<span></span></td>
        <td class="nump">3,880,000<span></span></td>
        <td class="nump">3,874,000<span></span></td>
        <td class="nump">4,207,000<span></span></td>
        <td class="nump">4,194,000<span></span></td>
        <td class="nump">16,059,000<span></span></td>
        <td class="nump">16,155,000<span></span></td>
        <td class="nump">16,194,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Applicable tax expense</a></td>
        <td class="nump">683,000<span></span></td>
        <td class="nump">944,000<span></span></td>
        <td class="nump">961,000<span></span></td>
        <td class="nump">783,000<span></span></td>
        <td class="nump">858,000<span></span></td>
        <td class="nump">868,000<span></span></td>
        <td class="nump">1,014,000<span></span></td>
        <td class="nump">1,051,000<span></span></td>
        <td class="nump">3,371,000<span></span></td>
        <td class="nump">3,791,000<span></span></td>
        <td class="nump">4,078,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">3,229,000<span></span></td>
        <td class="nump">3,223,000<span></span></td>
        <td class="nump">3,323,000<span></span></td>
        <td class="nump">2,913,000<span></span></td>
        <td class="nump">3,022,000<span></span></td>
        <td class="nump">3,006,000<span></span></td>
        <td class="nump">3,193,000<span></span></td>
        <td class="nump">3,143,000<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">12,116,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net income available to common shareholders</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,965,000<span></span></td>
        <td class="nump">11,156,000<span></span></td>
        <td class="nump">10,768,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share</a></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.32<span></span></td>
        <td class="nump">$ 0.28<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.27<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 1.22<span></span></td>
        <td class="nump">$ 1.14<span></span></td>
        <td class="nump">$ 1.10<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share</a></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.32<span></span></td>
        <td class="nump">$ 0.28<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.27<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 1.22<span></span></td>
        <td class="nump">$ 1.14<span></span></td>
        <td class="nump">$ 1.10<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain on securities available for sale</a></td>
        <td class="num">(1,548,000)<span></span></td>
        <td class="nump">1,962,000<span></span></td>
        <td class="nump">438,000<span></span></td>
        <td class="num">(313,000)<span></span></td>
        <td class="num">(754,000)<span></span></td>
        <td class="nump">5,957,000<span></span></td>
        <td class="nump">3,587,000<span></span></td>
        <td class="nump">668,000<span></span></td>
        <td class="nump">539,000<span></span></td>
        <td class="nump">9,458,000<span></span></td>
        <td class="num">(1,932,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostNetOfTax', window );">Unrecognized postretirement benefits transition obligation</a></td>
        <td class="num">(51,000)<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="num">(28,000)<span></span></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="num">(36,000)<span></span></td>
        <td class="num">(14,000)<span></span></td>
        <td class="nump">138,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease', window );">Other comprehensive income</a></td>
        <td class="num">(1,599,000)<span></span></td>
        <td class="nump">1,967,000<span></span></td>
        <td class="nump">443,000<span></span></td>
        <td class="num">(308,000)<span></span></td>
        <td class="num">(782,000)<span></span></td>
        <td class="nump">5,961,000<span></span></td>
        <td class="nump">3,592,000<span></span></td>
        <td class="nump">673,000<span></span></td>
        <td class="nump">503,000<span></span></td>
        <td class="nump">9,444,000<span></span></td>
        <td class="num">(1,794,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Comprehensive income</a></td>
        <td class="nump">$ 1,630,000<span></span></td>
        <td class="nump">$ 5,190,000<span></span></td>
        <td class="nump">$ 3,766,000<span></span></td>
        <td class="nump">$ 2,605,000<span></span></td>
        <td class="nump">$ 2,240,000<span></span></td>
        <td class="nump">$ 8,967,000<span></span></td>
        <td class="nump">$ 6,785,000<span></span></td>
        <td class="nump">$ 3,816,000<span></span></td>
        <td class="nump">$ 13,191,000<span></span></td>
        <td class="nump">$ 21,808,000<span></span></td>
        <td class="nump">$ 10,322,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FederalHomeLoanBankAndFederalReserveBankStockAtCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The combined total of Federal Home Loan Bank and Federal Reserve Bank stock (FRB) which represent equity interests in the Federal Reserve Bank and the Federal Home Loan Bank. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FederalHomeLoanBankAndFederalReserveBankStockAtCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LoansAndLeaseReceivableNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio for investment and held for sale, net of unearned income and the allowance for losses on loans and leases. Some loans are stated at the lower of cost or market, or elected fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LoansAndLeaseReceivableNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the aggregate dollar amount of all future maturities of advances from the Federal Home Loan Bank, treasury tax and loan notes and securities sold under repurchase agreements as of balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 12<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br> -Section S99<br><br> -Name Accounting Standards Codification<br><br> -Publisher FASB<br><br> -Paragraph 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br> -Number 6<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 18<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 6<br><br> -Paragraph 1, 2, 3, 7, 11<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1, 2, 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the economic entity, including both controlling (parent) and noncontrolling interests. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, including any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 4K<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6922042&amp;loc=SL4591552-111686<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569616-111683<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A5<br><br> -Appendix A<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 37, 38, 39<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 36, 37, 38<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 11, 12, 36<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalFundsSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalFundsSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeStatementAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 9, 51, 54<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 9<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net interest and dividend income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Investments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Subparagraph h<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Investments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 32<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.32)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 25<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 14<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssetsMiscellaneous">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the carrying amounts, as of the balance sheet date, of assets which have not been itemized or categorized in the footnotes to the financial statements and are a component of Other Assets (OtherAssets).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssetsMiscellaneous</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents Other Comprehensive Income or Loss, Net of Tax, for the period.  Includes deferred gains or losses on qualifying hedges, unrealized holding gains or losses on available-for-sale securities, minimum pension liability, and cumulative translation adjustment. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 22, 23, 24, 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e599-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostNetOfTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The adjustment out of other comprehensive income for the net transition asset or obligation recognized as a component of net periodic benefit cost during the period, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 4<br><br> -Subparagraph c, d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostNetOfTax</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
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                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A3<br><br> -Appendix A<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Stock Options and Stock-Based Compensation (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Stock Options and Stock-Based Compensation [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock', window );">Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31, 2012, 19,727 shares of restricted stock had been granted under the 2010 Plan, as detailed in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Year</div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Granted</div></td><td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Vesting Term</div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(In Years)</div></td><td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Shares</div></td><td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Remaining Term</div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(In Years)</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2011</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,500</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2.1</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2011</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5,500</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">3.1</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2012</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">3.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,027</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2.2</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2012</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,704</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">3.2</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2012</div></td><td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5.0</div></td><td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">7,996</div></td><td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4.2</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div>&#160;</div></td><td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div>&#160;</div></td><td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">19,727</div></td><td style="border-bottom: #000000 2px solid; 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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the changes in outstanding nonvested restricted stock units.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Publisher FASB<br><br> -Number <br><br> -Article <br><br> -Subparagraph (c)(2)<br><br> -Name Accounting Standards Codification<br><br> -Paragraph 2<br><br> -Section 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Quarterly Information<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 25. 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                <p>The fair value of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EZSAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Mortgage Servicing Rights (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingAbstract', window );"><strong>Mortgage Servicing Rights [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_MovingAverageOfWeeklyPrepaymentData', window );">Moving average of weekly prepayment data (in months)</a></td>
        <td class="text">3M<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed', window );">Anticipated loan prepayment rate of servicing assets (in hundredths)</a></td>
        <td class="nump">2472.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AverageQuarterlyDiscountRate', window );">Period used to determine average quarterly discount rate (in years)</a></td>
        <td class="text">10Y<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor', window );">Servicing assets and servicing liabilities at fair value, assumptions used to estimate fair value, discount rate adjustment factor (in hundredths)</a></td>
        <td class="nump">486.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OriginationOfMortgageServicingRightsMSRs', window );">Mortgage servicing rights capitalized</a></td>
        <td class="nump">$ 330,000<span></span></td>
        <td class="nump">$ 368,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfMortgageServicingRightsMSRs', window );">Amortization of mortgage servicing rights</a></td>
        <td class="nump">636,000<span></span></td>
        <td class="nump">573,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Fair value of mortgage servicing rights</a></td>
        <td class="nump">1,228,000<span></span></td>
        <td class="nump">1,581,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal', window );">Outstanding principal balance of loans serviced for others</a></td>
        <td class="nump">205,859,000<span></span></td>
        <td class="nump">238,221,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NetGainFromSaleOfLoans', window );">Net gain from sale of loans</a></td>
        <td class="nump">1,191,000<span></span></td>
        <td class="nump">756,000<span></span></td>
        <td class="nump">977,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingOfFinancialAssetsAbstract', window );"><strong>Summary of mortgage servicing rights [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_MortgageServicingRightsGross', window );">Mortgage servicing rights</a></td>
        <td class="nump">6,430,000<span></span></td>
        <td class="nump">6,099,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AccumulatedAmortizationMortgageServicingRights', window );">Accumulated amortization</a></td>
        <td class="num">(5,473,000)<span></span></td>
        <td class="num">(4,837,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ReserveForImpairmentOfMortgageServicingRights', window );">Impairment reserve</a></td>
        <td class="num">(90,000)<span></span></td>
        <td class="num">(61,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_MortgageServicingRightsNet', window );">Mortgage Servicing Rights Net</a></td>
        <td class="nump">$ 867,000<span></span></td>
        <td class="nump">$ 1,201,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AccumulatedAmortizationMortgageServicingRights">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of amortization for mortgage servicing rights that has been recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AccumulatedAmortizationMortgageServicingRights</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AverageQuarterlyDiscountRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average quarterly discount rate period used as assumption in evaluating the carrying value of mortgage servicing rights.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AverageQuarterlyDiscountRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_MortgageServicingRightsGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross amount, as of the balance sheet date, of mortgage servicing rights.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_MortgageServicingRightsGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_MortgageServicingRightsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net amount, as of the balance sheet date, of mortgage servicing rights.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_MortgageServicingRightsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_MovingAverageOfWeeklyPrepaymentData">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The moving average period of weekly prepayment data used as assumption in evaluating the carrying value of mortgage servicing rights.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_MovingAverageOfWeeklyPrepaymentData</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NetGainFromSaleOfLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net gain from the sale of loans held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NetGainFromSaleOfLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ReserveForImpairmentOfMortgageServicingRights">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A reserve for the amount of expected decrease in the value of mortgage servicing rights which cannot be physically measured.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ReserveForImpairmentOfMortgageServicingRights</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Dollar amount of principal outstanding on loans being serviced for others at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ResidentialMortgageLoansServicedForOthersOutstandingPrincipal</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of rate spread added to the ten-year US Treasury rate to derive the discount rate used in the fair value calculation for the loan servicing portfolio.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRateAdjustmentFactor</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfMortgageServicingRightsMSRs">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The periodic amortization (in proportion to and over the period of estimated net servicing income or loss) of capitalized servicing rights, which contractually entitle the servicer to receive fees and ancillary revenues for performing billing, collection, disbursement and recordkeeping services in connection with a mortgage portfolio. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph g(1)(d)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122739-111746<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmortizationOfMortgageServicingRightsMSRs</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase during the reporting period in the cumulative value of servicing rights. This increase is the result of new servicing rights that are created when mortgages are sold or transferred.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value as of the balance sheet date of an asset representing net future revenues from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph B9<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 13A, 13B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph f(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122625-111746<br><br><br><br></p>
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                <p>The estimated speed of prepayments of principal on financial assets which may be one of the factors applied in estimating the fair value of servicing assets and servicing liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46R-8<br><br> -Paragraph B8<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E5UAE">
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          <div>Dec. 31, 2012</div>
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        <th class="th">
          <div>Dec. 31, 2011</div>
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          <div>Dec. 31, 2010</div>
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        <td class="nump">$ 940,000<span></span></td>
        <td class="nump">$ 848,000<span></span></td>
        <td class="nump">$ 581,000<span></span></td>
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        <td class="nump">715,000<span></span></td>
        <td class="nump">670,000<span></span></td>
        <td class="nump">608,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">935,000<span></span></td>
        <td class="nump">713,000<span></span></td>
        <td class="nump">688,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">606,000<span></span></td>
        <td class="nump">964,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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                <p>Fees incurred from processing ATM and debit card transaction fees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <p>Legal fees and expenses.</p>
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                <p>No definition available.</p>
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                    <td><nobr>fnlc_LegalFeesAndExpenses</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCostAndExpenseOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of other operating cost and expense items that are associated with the entity's normal revenue producing operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherCostAndExpenseOperating</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherOperatingIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of other operating income, the components of which are not separately disclosed on the income statement, from items that are associated with the entity's normal revenue producing operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherOperatingIncome</nobr></td>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EP4LM">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Financial Information of Parent (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2011</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents</a></td>
        <td class="nump">$ 14,958,000<span></span></td>
        <td class="nump">$ 14,904,000<span></span></td>
        <td class="nump">$ 14,192,000<span></span></td>
        <td class="nump">$ 12,123,000<span></span></td>
        <td class="nump">$ 14,115,000<span></span></td>
        <td class="nump">$ 16,563,000<span></span></td>
        <td class="nump">$ 14,322,000<span></span></td>
        <td class="nump">$ 13,700,000<span></span></td>
        <td class="nump">$ 14,958,000<span></span></td>
        <td class="nump">$ 14,115,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Investments', window );">Investments</a></td>
        <td class="nump">434,934,000<span></span></td>
        <td class="nump">454,156,000<span></span></td>
        <td class="nump">443,122,000<span></span></td>
        <td class="nump">454,717,000<span></span></td>
        <td class="nump">408,863,000<span></span></td>
        <td class="nump">456,481,000<span></span></td>
        <td class="nump">427,248,000<span></span></td>
        <td class="nump">435,387,000<span></span></td>
        <td class="nump">434,934,000<span></span></td>
        <td class="nump">408,863,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and Equipment</a></td>
        <td class="nump">22,988,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">18,842,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,988,000<span></span></td>
        <td class="nump">18,842,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">29,805,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">27,684,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">29,805,000<span></span></td>
        <td class="nump">27,684,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">25,904,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">27,003,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">25,904,000<span></span></td>
        <td class="nump">27,003,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,423,316,000<span></span></td>
        <td class="nump">1,424,757,000<span></span></td>
        <td class="nump">1,423,792,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="nump">1,427,038,000<span></span></td>
        <td class="nump">1,417,690,000<span></span></td>
        <td class="nump">1,431,038,000<span></span></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and shareholders' equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">16,921,000<span></span></td>
        <td class="nump">17,383,000<span></span></td>
        <td class="nump">17,152,000<span></span></td>
        <td class="nump">16,213,000<span></span></td>
        <td class="nump">15,013,000<span></span></td>
        <td class="nump">15,990,000<span></span></td>
        <td class="nump">13,306,000<span></span></td>
        <td class="nump">11,703,000<span></span></td>
        <td class="nump">16,921,000<span></span></td>
        <td class="nump">15,013,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">1,258,676,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,222,009,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,258,676,000<span></span></td>
        <td class="nump">1,222,009,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock</a></td>
        <td class="nump">12,402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,303,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,402,000<span></span></td>
        <td class="nump">12,303,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock</a></td>
        <td class="nump">98,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">98,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">98,000<span></span></td>
        <td class="nump">98,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
        <td class="nump">46,314,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">45,829,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">46,314,000<span></span></td>
        <td class="nump">45,829,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">89,692,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">85,314,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">89,692,000<span></span></td>
        <td class="nump">85,314,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>Accumulated other comprehensive income (loss)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009</a></td>
        <td class="nump">7,940,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,401,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,940,000<span></span></td>
        <td class="nump">7,401,000<span></span></td>
        <td class="num">(2,057,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(125,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Net unrealized loss on post-retirement benefit costs, net of tax benefit of $39,000 in 2010 and $114,000 in 2009</a></td>
        <td class="nump">123,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">87,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">123,000<span></span></td>
        <td class="nump">87,000<span></span></td>
        <td class="nump">73,000<span></span></td>
        <td class="num">(12,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
        <td class="nump">156,323,000<span></span></td>
        <td class="nump">156,637,000<span></span></td>
        <td class="nump">153,405,000<span></span></td>
        <td class="nump">151,593,000<span></span></td>
        <td class="nump">150,858,000<span></span></td>
        <td class="nump">150,538,000<span></span></td>
        <td class="nump">156,210,000<span></span></td>
        <td class="nump">151,544,000<span></span></td>
        <td class="nump">156,323,000<span></span></td>
        <td class="nump">150,858,000<span></span></td>
        <td class="nump">149,848,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">147,938,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,423,316,000<span></span></td>
        <td class="nump">1,424,757,000<span></span></td>
        <td class="nump">1,423,792,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="nump">1,427,038,000<span></span></td>
        <td class="nump">1,417,690,000<span></span></td>
        <td class="nump">1,431,038,000<span></span></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementAbstract', window );"><strong>Statements of Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gain on sale or call of securities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,968,000)<span></span></td>
        <td class="num">(3,293,000)<span></span></td>
        <td class="num">(2,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) before income taxes</a></td>
        <td class="nump">3,912,000<span></span></td>
        <td class="nump">4,167,000<span></span></td>
        <td class="nump">4,284,000<span></span></td>
        <td class="nump">3,696,000<span></span></td>
        <td class="nump">3,880,000<span></span></td>
        <td class="nump">3,874,000<span></span></td>
        <td class="nump">4,207,000<span></span></td>
        <td class="nump">4,194,000<span></span></td>
        <td class="nump">16,059,000<span></span></td>
        <td class="nump">16,155,000<span></span></td>
        <td class="nump">16,194,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Applicable tax expense</a></td>
        <td class="nump">683,000<span></span></td>
        <td class="nump">944,000<span></span></td>
        <td class="nump">961,000<span></span></td>
        <td class="nump">783,000<span></span></td>
        <td class="nump">858,000<span></span></td>
        <td class="nump">868,000<span></span></td>
        <td class="nump">1,014,000<span></span></td>
        <td class="nump">1,051,000<span></span></td>
        <td class="nump">3,371,000<span></span></td>
        <td class="nump">3,791,000<span></span></td>
        <td class="nump">4,078,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EquityInEarningsOfBankAbstract', window );"><strong>Equity in earnings of Bank</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">3,229,000<span></span></td>
        <td class="nump">3,223,000<span></span></td>
        <td class="nump">3,323,000<span></span></td>
        <td class="nump">2,913,000<span></span></td>
        <td class="nump">3,022,000<span></span></td>
        <td class="nump">3,006,000<span></span></td>
        <td class="nump">3,193,000<span></span></td>
        <td class="nump">3,143,000<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">12,116,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">3,229,000<span></span></td>
        <td class="nump">3,223,000<span></span></td>
        <td class="nump">3,323,000<span></span></td>
        <td class="nump">2,913,000<span></span></td>
        <td class="nump">3,022,000<span></span></td>
        <td class="nump">3,006,000<span></span></td>
        <td class="nump">3,193,000<span></span></td>
        <td class="nump">3,143,000<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">12,116,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,314,000<span></span></td>
        <td class="nump">1,355,000<span></span></td>
        <td class="nump">1,394,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Gain on sale of investment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,968,000<span></span></td>
        <td class="nump">3,293,000<span></span></td>
        <td class="nump">2,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Equity compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">85,000<span></span></td>
        <td class="nump">22,000<span></span></td>
        <td class="nump">37,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(756,000)<span></span></td>
        <td class="num">(1,288,000)<span></span></td>
        <td class="num">(177,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,631,000<span></span></td>
        <td class="num">(1,596,000)<span></span></td>
        <td class="nump">1,139,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">25,023,000<span></span></td>
        <td class="nump">29,725,000<span></span></td>
        <td class="nump">25,650,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Proceeds from maturities, payments, calls of securities available for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">61,776,000<span></span></td>
        <td class="nump">42,756,000<span></span></td>
        <td class="nump">101,223,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Capital expenditures</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,726,000)<span></span></td>
        <td class="num">(1,222,000)<span></span></td>
        <td class="num">(2,043,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(19,270,000)<span></span></td>
        <td class="nump">16,185,000<span></span></td>
        <td class="num">(78,130,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock', window );">Proceeds from issuance of preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">25,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock', window );">Repurchase of preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(12,500,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Proceeds from sale of common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">499,000<span></span></td>
        <td class="nump">431,000<span></span></td>
        <td class="nump">416,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(8,310,000)<span></span></td>
        <td class="num">(8,751,000)<span></span></td>
        <td class="num">(8,865,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash used in financing activities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4,910,000)<span></span></td>
        <td class="num">(45,633,000)<span></span></td>
        <td class="nump">50,986,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase in cash and cash equivalents</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">843,000<span></span></td>
        <td class="nump">277,000<span></span></td>
        <td class="num">(1,494,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">13,838,000<span></span></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="nump">13,838,000<span></span></td>
        <td class="nump">15,332,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
        <td class="nump">14,958,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,958,000<span></span></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="nump">13,838,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Parent Company [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents</a></td>
        <td class="nump">2,685,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">894,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,685,000<span></span></td>
        <td class="nump">894,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsReceivable', window );">Dividends receivable</a></td>
        <td class="nump">1,900,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,900,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,900,000<span></span></td>
        <td class="nump">1,900,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Investments', window );">Investments</a></td>
        <td class="nump">429,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">327,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">429,000<span></span></td>
        <td class="nump">327,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Investment in subsidiary</a></td>
        <td class="nump">125,580,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">122,009,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">125,580,000<span></span></td>
        <td class="nump">122,009,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and Equipment</a></td>
        <td class="nump">43,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">26,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">43,000<span></span></td>
        <td class="nump">26,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">27,559,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">27,559,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">27,559,000<span></span></td>
        <td class="nump">27,559,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">72,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">57,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">72,000<span></span></td>
        <td class="nump">57,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">158,268,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">152,772,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">158,268,000<span></span></td>
        <td class="nump">152,772,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and shareholders' equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsPayableCurrentAndNoncurrent', window );">Dividends payable</a></td>
        <td class="nump">1,923,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,912,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,923,000<span></span></td>
        <td class="nump">1,912,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">22,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,000<span></span></td>
        <td class="nump">2,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">1,945,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,914,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,945,000<span></span></td>
        <td class="nump">1,914,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock</a></td>
        <td class="nump">12,402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,303,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,402,000<span></span></td>
        <td class="nump">12,303,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock</a></td>
        <td class="nump">98,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">98,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">98,000<span></span></td>
        <td class="nump">98,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
        <td class="nump">46,314,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">45,829,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">46,314,000<span></span></td>
        <td class="nump">45,829,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">97,509,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">92,694,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">97,509,000<span></span></td>
        <td class="nump">92,694,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract', window );"><strong>Accumulated other comprehensive income (loss)</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Net unrealized loss on available for sale securities, net of taxes of $3,000 in 2010 and tax benefit of $5,000 in 2009</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(66,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(66,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Total accumulated other comprehensive loss</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(66,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(66,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
        <td class="nump">156,323,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">150,858,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">156,323,000<span></span></td>
        <td class="nump">150,858,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
        <td class="nump">158,268,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">152,772,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">158,268,000<span></span></td>
        <td class="nump">152,772,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeStatementAbstract', window );"><strong>Statements of Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentIncomeNet', window );">Interest and dividends on investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,000<span></span></td>
        <td class="nump">10,000<span></span></td>
        <td class="nump">10,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gain on sale or call of securities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">153,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TotalIncome', window );">Total income</a></td>
        <td class="nump">10,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">163,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,000<span></span></td>
        <td class="nump">163,000<span></span></td>
        <td class="nump">10,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OccupancyExpenses', window );">Occupancy expenses</a></td>
        <td class="nump">8,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,000<span></span></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">1,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherCostAndExpenseOperating', window );">Other operating expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">218,000<span></span></td>
        <td class="nump">137,000<span></span></td>
        <td class="nump">150,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TotalExpense', window );">Total expense</a></td>
        <td class="nump">226,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">141,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">226,000<span></span></td>
        <td class="nump">141,000<span></span></td>
        <td class="nump">151,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) before income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(216,000)<span></span></td>
        <td class="nump">22,000<span></span></td>
        <td class="num">(141,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Applicable tax expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(76,000)<span></span></td>
        <td class="nump">15,000<span></span></td>
        <td class="num">(38,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_IncomeLossBeforeBankEarnings', window );">Income (loss) before Bank earnings</a></td>
        <td class="num">(140,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(140,000)<span></span></td>
        <td class="nump">7,000<span></span></td>
        <td class="num">(103,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EquityInEarningsOfBankAbstract', window );"><strong>Equity in earnings of Bank</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EquityInRemittedEarningsFromSubsidiary', window );">Remitted</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,694,000<span></span></td>
        <td class="nump">8,710,000<span></span></td>
        <td class="nump">8,850,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EquityInUnremittedEarningsFromSubsidiary', window );">Unremitted</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,134,000<span></span></td>
        <td class="nump">3,647,000<span></span></td>
        <td class="nump">3,369,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">12,116,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">12,116,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,000<span></span></td>
        <td class="nump">13,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Gain on sale of investment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(153,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Equity compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">85,000<span></span></td>
        <td class="nump">22,000<span></span></td>
        <td class="nump">37,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Increase in other assets</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(15,000)<span></span></td>
        <td class="num">(42,000)<span></span></td>
        <td class="num">(1,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities', window );">Increase (decrease) in other liabilities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5,000)<span></span></td>
        <td class="nump">44,000<span></span></td>
        <td class="nump">5,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EquityInUnremittedEarningsFromSubsidiary', window );">Unremitted earnings of Bank</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(3,134,000)<span></span></td>
        <td class="num">(3,647,000)<span></span></td>
        <td class="num">(3,369,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,627,000<span></span></td>
        <td class="nump">8,601,000<span></span></td>
        <td class="nump">8,788,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Proceeds from maturities, payments, calls of securities available for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,773,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromInvestments', window );">Purchases of investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(273,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Capital expenditures</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(25,000)<span></span></td>
        <td class="num">(29,000)<span></span></td>
        <td class="num">(10,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(25,000)<span></span></td>
        <td class="nump">12,471,000<span></span></td>
        <td class="num">(10,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock', window );">Repurchase of preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(12,500,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Proceeds from sale of common stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">499,000<span></span></td>
        <td class="nump">431,000<span></span></td>
        <td class="nump">416,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(8,310,000)<span></span></td>
        <td class="num">(8,751,000)<span></span></td>
        <td class="num">(8,865,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash used in financing activities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(7,811,000)<span></span></td>
        <td class="num">(20,820,000)<span></span></td>
        <td class="num">(8,449,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase in cash and cash equivalents</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,791,000<span></span></td>
        <td class="nump">252,000<span></span></td>
        <td class="nump">329,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">894,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">642,000<span></span></td>
        <td class="nump">894,000<span></span></td>
        <td class="nump">642,000<span></span></td>
        <td class="nump">313,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
        <td class="nump">$ 2,685,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 894,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 2,685,000<span></span></td>
        <td class="nump">$ 894,000<span></span></td>
        <td class="nump">$ 642,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_EquityInEarningsOfBankAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_EquityInEarningsOfBankAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_EquityInRemittedEarningsFromSubsidiary">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the earnings from a subsidiary that have been paid. An example would be payment in the form of dividends.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_EquityInRemittedEarningsFromSubsidiary</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_EquityInUnremittedEarningsFromSubsidiary">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the earnings in a subsidiary that have not been paid to the parent company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_EquityInUnremittedEarningsFromSubsidiary</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_IncomeLossBeforeBankEarnings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income (loss) before Bank Earnings</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_IncomeLossBeforeBankEarnings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_OccupancyExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expenses a parent level related to building and fixtures</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_OccupancyExpenses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TotalExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total expense at parent level</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TotalExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TotalIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total parent level income</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TotalIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated appreciation or loss, net of tax, in value of the total of available-for-sale securities at the end of an accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTaxAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 12<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br> -Section S99<br><br> -Name Accounting Standards Codification<br><br> -Publisher FASB<br><br> -Paragraph 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br> -Number 6<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 18<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in cash and cash equivalents. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 6<br><br> -Paragraph 1, 2, 3, 7, 11<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 1, 2, 3<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Depreciation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsPayableCurrentAndNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of dividends declared but unpaid on equity securities issued by the entity and outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15(5))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15(5))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 15<br><br> -Subparagraph a<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsPayableCurrentAndNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of dividends declared but not received.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6382870&amp;loc=d3e33749-111570<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -Clause 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 68<br><br> -Subparagraph l<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 34<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 72<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
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                  <tr>
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                    <td><strong> Period Type:</strong></td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeStatementAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeStatementAbstract</nobr></td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingAssets</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>duration</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents investment income derived from investments in debt and equity securities consisting of interest income earned from investments in debt securities and on cash and cash equivalents, dividend income from investments in equity securities, and income or expense derived from the amortization of investment related discounts or premiums, respectively, net of related investment expenses. This item does not include realized or unrealized gains or losses on the sale or holding of investments in debt and equity securities required to be included in earnings for the period or for other than temporary losses related to investments in debt and equity securities which are included in realized losses in the period recognized, and does not include investment income from real or personal property, such as rental income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.7(a),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 13, 14, 15, 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 14, 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentIncomeNet</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Investments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Subparagraph h<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Investments</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19-26)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 32<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.32)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 25<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from financing activity for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivities</nobr></td>
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                  <tr>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 10<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCostAndExpenseOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of other operating cost and expense items that are associated with the entity's normal revenue producing operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherCostAndExpenseOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 15<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash paid (received) associated with the acquisition or disposal of all investments, including securities and other assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire preferred stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the entity's earnings to the shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividends</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the additional capital contribution to the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromIssuanceOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection III<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible assets that are held by an entity for use in the production or supply of goods and services, for rental to others, or for administrative purposes and that are expected to provide economic benefit for more than one year; net of accumulated depreciation. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 8<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -Subparagraph b, c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A3<br><br> -Appendix A<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br></p>
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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDilutedAbstract', window );"><strong>Income (Numerator) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income as reported</a></td>
        <td class="nump">$ 3,229,000<span></span></td>
        <td class="nump">$ 3,223,000<span></span></td>
        <td class="nump">$ 3,323,000<span></span></td>
        <td class="nump">$ 2,913,000<span></span></td>
        <td class="nump">$ 3,022,000<span></span></td>
        <td class="nump">$ 3,006,000<span></span></td>
        <td class="nump">$ 3,193,000<span></span></td>
        <td class="nump">$ 3,143,000<span></span></td>
        <td class="nump">$ 12,688,000<span></span></td>
        <td class="nump">$ 12,364,000<span></span></td>
        <td class="nump">$ 12,116,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock', window );">Less dividends and amortization of premium on preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">723,000<span></span></td>
        <td class="nump">1,208,000<span></span></td>
        <td class="nump">1,348,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Basic EPS: Income available to common shareholders</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,965,000<span></span></td>
        <td class="nump">11,156,000<span></span></td>
        <td class="nump">10,768,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersDiluted', window );">Diluted EPS: Income available to common shareholders plus assumed conversions</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 11,965,000<span></span></td>
        <td class="nump">$ 11,156,000<span></span></td>
        <td class="nump">$ 10,768,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract', window );"><strong>Shares (Denominator) [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average number of common shares outstanding</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,828,925<span></span></td>
        <td class="nump">9,788,610<span></span></td>
        <td class="nump">9,760,760<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment', window );">Incremental shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">17,606<span></span></td>
        <td class="nump">9,619<span></span></td>
        <td class="nump">4,726<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Diluted EPS: Income available to common shareholders plus assumed conversions (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,846,531<span></span></td>
        <td class="nump">9,798,229<span></span></td>
        <td class="nump">9,765,486<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAndDilutedAbstract', window );"><strong>Per-Share Amount [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic EPS: Income available to common shareholders (in dollars per share)</a></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.32<span></span></td>
        <td class="nump">$ 0.28<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.27<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 1.22<span></span></td>
        <td class="nump">$ 1.14<span></span></td>
        <td class="nump">$ 1.10<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted EPS: Income available to common shareholders plus assumed conversions (in dollars per share)</a></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.32<span></span></td>
        <td class="nump">$ 0.28<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.27<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 1.22<span></span></td>
        <td class="nump">$ 1.14<span></span></td>
        <td class="nump">$ 1.10<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems', window );"><strong>Schedule of Outstanding Options And Warrants [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Incentive stock options (in shares)</a></td>
        <td class="nump">42,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">51,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">42,000<span></span></td>
        <td class="nump">51,000<span></span></td>
        <td class="nump">55,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights', window );">Warrants issued to U.S. Treasury (in shares)</a></td>
        <td class="nump">225,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EarningsPerShareTotalDilutiveSecurities', window );">Total dilutive securities (in shares)</a></td>
        <td class="nump">267,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">276,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">267,904<span></span></td>
        <td class="nump">276,904<span></span></td>
        <td class="nump">281,404<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">In-the-Money [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems', window );"><strong>Schedule of Outstanding Options And Warrants [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Incentive stock options (in shares)</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">9,000<span></span></td>
        <td class="nump">13,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights', window );">Warrants issued to U.S. Treasury (in shares)</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EarningsPerShareTotalDilutiveSecurities', window );">Total dilutive securities (in shares)</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">9,000<span></span></td>
        <td class="nump">13,500<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Out-of-the-Money [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems', window );"><strong>Schedule of Outstanding Options And Warrants [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber', window );">Incentive stock options (in shares)</a></td>
        <td class="nump">42,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">42,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">42,000<span></span></td>
        <td class="nump">42,000<span></span></td>
        <td class="nump">42,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights', window );">Warrants issued to U.S. Treasury (in shares)</a></td>
        <td class="nump">225,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_EarningsPerShareTotalDilutiveSecurities', window );">Total dilutive securities (in shares)</a></td>
        <td class="nump">267,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">267,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">267,904<span></span></td>
        <td class="nump">267,904<span></span></td>
        <td class="nump">267,904<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_EarningsPerShareTotalDilutiveSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total number of shares reserved for issuance under stock option and warrants and are outstanding as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_EarningsPerShareTotalDilutiveSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>No authoritative reference available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LessDividendsAndAmortizationOfPremiumOnPreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ScheduleOfOutstandingOptionsAndWarrantsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The specified number of securities that each class of warrants or rights outstanding give the holder the right but not the obligation to purchase from the issuer at a specific price, on or before a certain date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph i<br><br> -Subparagraph 2<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(i)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 36, 37, 38<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAndDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasicAndDilutedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 11, 12, 36<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net Income or Loss Available to Common Stockholders plus adjustments resulting from the assumption that dilutive convertible securities were converted, options or warrants were exercised, or that other shares were issued upon the satisfaction of certain conditions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1505-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares reserved for issuance under stock option agreements awarded under the plan that validly exist and are outstanding as of the balance sheet date, including vested options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(i)-(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(b)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1505-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td>na</td>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 171<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Regulatory Capital Requirements<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsAbstract', window );"><strong>Regulatory Capital Requirements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Regulatory Capital Requirements</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 17. Regulatory Capital Requirements</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The ability of the Company to pay cash dividends to its Shareholders depends primarily on receipt of dividends from its subsidiary, the Bank. The subsidiary may pay dividends to its parent out of so much of its net income as the Bank's directors deem appropriate, subject to the limitation that the total of all dividends declared by the Bank in any calendar year may not exceed the total of its net income of that year combined with its retained net income of the preceding two years and subject to minimum regulatory capital requirements. The amount available for dividends in 2013 will be 2013 earnings plus retained earnings of $6,781,000 from 2012 and 2011.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The payment of dividends by the Company is also affected by various regulatory requirements and policies, such as the requirements to maintain adequate capital. In addition, if, in the opinion of the applicable regulatory authority, a bank under its jurisdiction is engaged in or is about to engage in an unsafe or unsound practice (which, depending on the financial condition of the bank, could include the payment of dividends), that authority may require, after notice and hearing, that such bank cease and desist from that practice. The Federal Reserve Bank and the Comptroller of the Currency have each indicated that paying dividends that deplete a bank's capital base to an inadequate level would be an unsafe and unsound banking practice. The Federal Reserve Bank, the Comptroller and the Federal Deposit Insurance Corporation have issued policy statements which provide that bank holding companies and insured banks should generally only pay dividends out of current operating earnings.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In addition to the effect on the payment of dividends, failure to meet minimum capital requirements can also result in mandatory and discretionary actions by regulators that, if undertaken, could have an impact on the Company's operations. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Bank must meet specific capital guidelines that involve quantitative measurements of the Bank's assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The Bank's capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios set forth in the table below of Tier 1 capital and Tier 2 or total capital to risk-weighted assets and of Tier 1 capital to average assets. Management believes, as of December 31, 2012, that the Bank meets all capital adequacy requirements to which it is subject.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31, 2012, the most recent notification from the Office of the Comptroller of the Currency classified the Bank as well-capitalized under the regulatory framework for prompt corrective action. To be categorized as well-capitalized, the Bank must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the table. There are no conditions or events since this notification that Management believes have changed the institution's category.</div><div style="margin-bottom: 10pt;"><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The actual and minimum capital amounts and ratios for the Bank are presented in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; 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font-size: 10pt;">n/</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">a</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;average assets</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">8.32</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4.00</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">n/</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">a</div></td></tr></table><div><br /></div></div><span></span></td>
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    </table>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RegulatoryCapitalRequirementsAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958577-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1E<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958574-112826<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15, 16, 17<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958572-112826<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1F<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958575-112826<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958573-112826<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958569-112826<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
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          <div style="width: 200px;"><strong>Fair Value Disclosures (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFairValueAssetsAndLiabilitiesMeasuredOnRecurringBasisTableTextBlock', window );">Assets and liabilities measured on recurring basis measured at fair value</a></td>
        <td class="text"><div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table presents the balances of assets and liabilities that were measured at fair value on a recurring basis as of December 31, 2012 and 2011.</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">At December 31, 2012</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Securities available for sale</div></div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Mortgage-backed securities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">169,093,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">169,093,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;State and political subdivisions</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">120,944,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">120,944,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Corporate securities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Other equity securities</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,577,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,577,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">At December 31, 2011</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Securities available for sale</div></div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Mortgage-backed securities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">198,232,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">198,232,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;State and political subdivisions</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">85,726,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">85,726,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Corporate securities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">811,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">811,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Other equity securities</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,433,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,433,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">286,202,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">286,202,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div></div><div><br /></div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsMeasuredOnNonrecurringBasisTextBlock', window );">Assets and liabilities measured on non-recurring basis measured at fair value</a></td>
        <td class="text"><div><div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table presents assets measured at fair value on a nonrecurring basis as of December 31, 2012 and 2011. Other real estate owned is presented net of an allowance for losses of $373,000 and $436,000, respectively. Impaired loans are presented net of their related specific allowance for loan losses of $3,539,000 and $2,058,000, respectively.</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"><u>At December 31, 2012</u></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Mortgage servicing rights</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Loans held for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Other real estate owned</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">7,593,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">7,593,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Impaired loans</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">13,923,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">13,923,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total Assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">23,779,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">23,779,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"><u>At December 31, 2011</u></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Mortgage servicing rights</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,581,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,581,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Loans held for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Other real estate owned</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,094,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,094,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Impaired loans</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">12,165,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">12,165,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total Assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">17,840,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">17,840,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div></div></div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Estimated fair value of financial instruments</a></td>
        <td class="text"><div><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The carrying amounts and estimated fair values for financial instruments as of December 31, 2012 were as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Carrying</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Estimated</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;As of December 31, 2012</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">value</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">fair value</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Financial assets</div></div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Cash and cash equivalents</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,958,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,958,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,958,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Interest bearing deposits in other banks</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,638,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,638,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,638,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Securities available for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Securities to be held to maturity</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">143,320,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">150,247,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">150,247,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Restricted equity securities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,448,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,448,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,448,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans held for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Loans (net of allowance for loan losses)</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Commercial</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Real estate</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">245,046,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">244,365,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,865,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">239,500,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Construction</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">20,960,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">20,902,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,284,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">18,618,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Other</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">78,985,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">79,312,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">472,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">78,840,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">16,058,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">16,058,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Residential</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Term</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">378,258,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">390,223,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">6,302,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">383,921,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Construction</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,447,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,430,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">6,430,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Home equity line of credit</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">98,381,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">99,038,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">99,038,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Consumer</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">14,022,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">14,392,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,392,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Total loans</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">856,784,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">870,720,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">13,923,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">856,797,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Mortgage servicing rights</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">867,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Accrued interest receivable</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,912,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,912,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,912,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Financial liabilities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Demand deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">90,252,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">91,544,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">91,544,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">NOW deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">147,309,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">141,436,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">141,436,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Money market deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">80,983,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">71,799,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">71,799,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Savings deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">135,250,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">126,142,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">126,142,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Local certificates of deposit</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">218,571,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">223,748,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">223,748,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">National certificates of deposit</div></div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">286,485,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,457,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,457,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Total deposits</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">958,850,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">945,126,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">945,126,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Repurchase agreements</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">101,504,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">101,504,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">101,504,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Federal Home Loan Bank advances</div></div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">181,401,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">189,321,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">189,321,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Total borrowed funds</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">282,905,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,825,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,825,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; 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text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">619,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">619,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The estimated fair values for financial instruments as of December 31, 2011 were as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>December 31, 2011</u></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Carrying</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Estimated</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">amount</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">fair value</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Financial assets</div></div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Cash and cash equivalents</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,115,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,115,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest-bearing deposits in other banks</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Securities available for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; 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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of assets and liabilities by class, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a nonrecurring basis in periods after initial recognition (for example, impaired assets). The disclosures that may be required or desired include: (a) the fair value measurements recorded during the period and the reasons for the measurements and (b) the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets or liabilities (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).  Where the quoted price in an active market for the identical liability is not available, the Level 1 input is the quoted price of an identical liability when traded as an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such certain disclosures about the financial instruments, assets, and liabilities include: (1) the fair value of the required items together with their carrying amounts (as appropriate) and (2) the methodology and assumptions used in developing such estimates of fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19207-110258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 14<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13476-108611<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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                <p>Tabular disclosure of assets and liabilities, including [financial] instruments measured at fair value that are classified in stockholders' equity, if any, that are measured at fair value on a recurring basis. The disclosures contemplated herein include the fair value measurements at the reporting date by the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
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          <div style="width: 200px;"><strong>Income Taxes (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureAbstract', window );"><strong>Income Taxes [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock', window );">Current and Deferred Components of Income Tax Expense</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The current and deferred components of income tax expense were as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For the years ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,828,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,450,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;Deferred</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; 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font-size: 10pt;">730,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">395,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; 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text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">233,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">233,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">3,371,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,791,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">4,078,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock', window );">Actual Tax Expense from Expected Tax Expense</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;The actual tax expense differs from the expected tax expense (computed by applying the applicable U.S. Federal corporate income tax rate to income before income taxes) as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For the years ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; 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font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2010</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Expected tax expense</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">5,621,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">5,654,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">5,668,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,791,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">4,078,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock', window );">Components of Deferred Tax Assets and Liabilities</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Deferred tax assets and liabilities are classified as other assets and other liabilities in the consolidated balance sheets. No valuation allowance is deemed necessary for the deferred tax asset. 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width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">4,375,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">4,550,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">OREO</div></td><td valign="bottom" style="width: 1%; 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font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accrued pension and post-retirement</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">1,412,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,293,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; 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font-size: 10pt;">6,053,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net deferred loan costs</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(770,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; 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font-size: 10pt; font-weight: bold;">(2,326,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(2,236,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unrealized gain on securities available for sale</div></td><td valign="bottom" style="width: 1%; 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font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Prepaid expense</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(422,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(528,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Other liabilities</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(2,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total deferred tax liability</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(8,622,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(8,403,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net deferred tax liability</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(2,512,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(2,350,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table></div><span></span></td>
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                <p>Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.</p>
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                <p>Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.</p>
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          <div>Dec. 31, 2012</div>
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          <div>Sep. 30, 2012</div>
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          <div>Jun. 30, 2012</div>
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          <div>Mar. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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          <div>Sep. 30, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 14,448,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 15,443,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">856,784,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">851,988,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">1,228,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,581,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DemandDepositAccounts', window );">Demand deposits</a></td>
        <td class="nump">90,252,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">75,750,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW', window );">NOW deposits</a></td>
        <td class="nump">147,309,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">122,775,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market deposits</a></td>
        <td class="nump">80,983,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">79,015,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings deposits</a></td>
        <td class="nump">135,250,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">114,617,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">505,056,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">549,176,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">958,850,000<span></span></td>
        <td class="nump">944,547,000<span></span></td>
        <td class="nump">1,005,274,000<span></span></td>
        <td class="nump">1,015,835,000<span></span></td>
        <td class="nump">941,333,000<span></span></td>
        <td class="nump">1,004,894,000<span></span></td>
        <td class="nump">998,838,000<span></span></td>
        <td class="nump">1,050,257,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Carrying Amount [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">14,958,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest bearing deposits in other banks</a></td>
        <td class="nump">1,638,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Securities available for sale</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">286,202,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Securities to be held to maturity</a></td>
        <td class="nump">143,320,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">122,661,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAtCost', window );">Restricted equity securities, at cost</a></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">1,035,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther', window );">Municipal</a></td>
        <td class="nump">14,685,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_HomeEquityLineOfCredit', window );">Home equity line of credit</a></td>
        <td class="nump">98,381,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountConsumer', window );">Consumer</a></td>
        <td class="nump">14,022,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Total loans</a></td>
        <td class="nump">856,784,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">851,988,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">867,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,201,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
        <td class="nump">4,912,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,835,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DemandDepositAccounts', window );">Demand deposits</a></td>
        <td class="nump">90,252,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW', window );">NOW deposits</a></td>
        <td class="nump">147,309,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market deposits</a></td>
        <td class="nump">80,983,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings deposits</a></td>
        <td class="nump">135,250,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">218,571,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NationalCertificatesOfDeposit', window );">National Certificates of Deposit</a></td>
        <td class="nump">286,485,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">958,850,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">941,333,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability', window );">Repurchase agreements</a></td>
        <td class="nump">101,504,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Federal Home Loan Bank Advances</a></td>
        <td class="nump">181,401,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BorrowedFunds', window );">Total borrowed funds</a></td>
        <td class="nump">282,905,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">265,663,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">619,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">734,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Estimate of Fair Value [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">14,958,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest bearing deposits in other banks</a></td>
        <td class="nump">1,638,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Securities available for sale</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">286,202,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Securities to be held to maturity</a></td>
        <td class="nump">150,247,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">130,677,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAtCost', window );">Restricted equity securities, at cost</a></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">1,035,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther', window );">Municipal</a></td>
        <td class="nump">16,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_HomeEquityLineOfCredit', window );">Home equity line of credit</a></td>
        <td class="nump">99,038,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountConsumer', window );">Consumer</a></td>
        <td class="nump">14,392,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Total loans</a></td>
        <td class="nump">870,720,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">866,442,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">1,228,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,581,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
        <td class="nump">4,912,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,835,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DemandDepositAccounts', window );">Demand deposits</a></td>
        <td class="nump">91,544,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW', window );">NOW deposits</a></td>
        <td class="nump">141,436,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market deposits</a></td>
        <td class="nump">71,799,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings deposits</a></td>
        <td class="nump">126,142,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">223,748,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NationalCertificatesOfDeposit', window );">National Certificates of Deposit</a></td>
        <td class="nump">290,457,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">945,126,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">921,388,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability', window );">Repurchase agreements</a></td>
        <td class="nump">101,504,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Federal Home Loan Bank Advances</a></td>
        <td class="nump">189,321,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BorrowedFunds', window );">Total borrowed funds</a></td>
        <td class="nump">290,825,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">273,568,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">619,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">734,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate Receivable [Member] | Carrying Amount [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial', window );">Loans</a></td>
        <td class="nump">245,046,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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          <div class="a">Fair Value, Inputs, Level 1 [Member] | Commercial Real Estate Receivable [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansAndLeasesReceivableNetReportedAmountResidential', window );">Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest bearing deposits in other banks</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Securities available for sale</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Securities to be held to maturity</a></td>
        <td class="nump">150,247,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAtCost', window );">Restricted equity securities, at cost</a></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">1,035,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther', window );">Municipal</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_HomeEquityLineOfCredit', window );">Home equity line of credit</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountConsumer', window );">Consumer</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Total loans</a></td>
        <td class="nump">13,923,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">1,228,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
        <td class="nump">4,912,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DemandDepositAccounts', window );">Demand deposits</a></td>
        <td class="nump">91,544,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW', window );">NOW deposits</a></td>
        <td class="nump">141,436,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market deposits</a></td>
        <td class="nump">71,799,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings deposits</a></td>
        <td class="nump">126,142,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">223,748,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NationalCertificatesOfDeposit', window );">National Certificates of Deposit</a></td>
        <td class="nump">290,457,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">945,126,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability', window );">Repurchase agreements</a></td>
        <td class="nump">101,504,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Federal Home Loan Bank Advances</a></td>
        <td class="nump">189,321,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BorrowedFunds', window );">Total borrowed funds</a></td>
        <td class="nump">290,825,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">619,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 2 [Member] | Commercial Real Estate Receivable [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial', window );">Loans</a></td>
        <td class="nump">4,865,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 2 [Member] | Commercial Construction [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial', window );">Loans</a></td>
        <td class="nump">2,284,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 2 [Member] | Commercial Other Receivable [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial', window );">Loans</a></td>
        <td class="nump">472,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 2 [Member] | Residential, Term, Financing Receivable [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansAndLeasesReceivableNetReportedAmountResidential', window );">Loans</a></td>
        <td class="nump">6,302,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 2 [Member] | Residential, Construction, Financing Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansAndLeasesReceivableNetReportedAmountResidential', window );">Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract', window );"><strong>Financial assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure', window );">Cash and cash equivalents</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest bearing deposits in other banks</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Securities available for sale</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure', window );">Securities to be held to maturity</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAtCost', window );">Restricted equity securities, at cost</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountOther', window );">Municipal</a></td>
        <td class="nump">16,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_HomeEquityLineOfCredit', window );">Home equity line of credit</a></td>
        <td class="nump">99,038,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountConsumer', window );">Consumer</a></td>
        <td class="nump">14,392,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Total loans</a></td>
        <td class="nump">856,797,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AccruedInterestReceivableFairValueDisclosure', window );">Accrued interest receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract', window );"><strong>Financial liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DemandDepositAccounts', window );">Demand deposits</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW', window );">NOW deposits</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market deposits</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings deposits</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NationalCertificatesOfDeposit', window );">National Certificates of Deposit</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability', window );">Repurchase agreements</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm', window );">Federal Home Loan Bank Advances</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BorrowedFunds', window );">Total borrowed funds</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesFairValueDisclosure', window );">Accrued interest payable</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 3 [Member] | Commercial Real Estate Receivable [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial', window );">Loans</a></td>
        <td class="nump">239,500,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 3 [Member] | Commercial Construction [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial', window );">Loans</a></td>
        <td class="nump">18,618,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 3 [Member] | Commercial Other Receivable [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAbstract', window );"><strong>Commercial [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial', window );">Loans</a></td>
        <td class="nump">78,840,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 3 [Member] | Residential, Term, Financing Receivable [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansAndLeasesReceivableNetReportedAmountResidential', window );">Loans</a></td>
        <td class="nump">383,921,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Inputs, Level 3 [Member] | Residential, Construction, Financing Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialAbstract', window );"><strong>Residential [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansAndLeasesReceivableNetReportedAmountResidential', window );">Loans</a></td>
        <td class="nump">$ 6,430,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AccruedInterestReceivableFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the portion of the balance sheet assertion valued at fair value whether such amount is presented as a separate caption or as a parenthetical disclosure. Element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. May be used in both the balance sheet and disclosure in the same submission. This item represents the amount shown on an entity's books for accrued interest receivable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AccruedInterestReceivableFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CommercialAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CommercialAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_HomeEquityLineOfCredit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all home equity loans held in portfolio, net of unearned income and the allowance for losses on home equity loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_HomeEquityLineOfCredit</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LoansAndLeasesReceivableNetReportedAmountResidential">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all residential loans and leases held in portfolio, net of unearned income and the allowance for losses on residential loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LoansAndLeasesReceivableNetReportedAmountResidential</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of national time deposits, including certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NationalCertificatesOfDeposit</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ResidentialAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ResidentialAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RestrictedEquitySecuritiesAtCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of stock held at Federal Home Loan Bank and Federal Reserve Bank. Federal Home Loan Bank (FHLB) stock and Federal Reserve Bank Stock represents an equity interest in a FHLB of FRB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RestrictedEquitySecuritiesAtCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedLiabilitiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents the amount of accrued expenses as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.20)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccruedLiabilitiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is the amount to be repaid to the counterparty as part of the repurchase agreements when the carrying amount (or market value, if higher than the carrying amount) of securities or other assets sold under repurchase agreements exceeds 10 percent of total assets, as of the most recent balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph m<br><br> -Subparagraph 1<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(m)(1)(i)(A)(ii))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsSoldUnderAgreementsToRepurchaseRepurchaseLiability</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents Available-for-sale Securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities which are categorized as Available-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Available-for-Sale Securities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BorrowedFunds">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, collateralized financings, and capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BorrowedFunds</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Company may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 8, 9, 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DemandDepositAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of money in accounts that may bear interest and that the depositor is entitled to withdraw at any time without prior notice.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DemandDepositAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 37, 38, 39<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsMoneyMarketDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 14<br><br> -Subparagraph a(i)<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsMoneyMarketDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits in interest-bearing transaction accounts at banks or savings and loans, that are restricted in regard to ownership and can usually only be held by individuals, nonprofit entities and governments. Negotiable order of withdrawal accounts differ from money market demand accounts as they typically have higher reserve requirements and no limit on the number of checks that can be written.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 14<br><br> -Subparagraph a(i)<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsNegotiableOrderOfWithdrawalNOW</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 6<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsSavingsDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesLongTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including both current and noncurrent portions, Federal Home Loan Bank borrowings initially due beyond one year or beyond the normal operating cycle if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64702-112823<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 47<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 15, 18<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesLongTerm</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancialInstrumentsFinancialAssetsBalanceSheetGroupingsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancialInstrumentsFinancialLiabilitiesBalanceSheetGroupingsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents investments in debt securities which are categorized as held-to-maturity and that have scheduled maturities more than one year from the balance sheet date or operating cycle, if longer; such investments are normally measured at amortized cost (carrying value) unless circumstances indicate that the value to be recovered from the investment is less than its carried amount. The held-to-maturity category is for those securities that the Company has the positive intent and ability to hold until maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 33<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 7-11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6476743&amp;loc=d3e59706-112781<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 6<br><br> -Paragraph 4, 11<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositsInBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all commercial loans and leases held in portfolio, net of unearned income and the allowance for losses on commercial loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5066-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmountCommercial</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmountConsumer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all consumer loans and leases held in portfolio, net of unearned income and the allowance for losses on consumer loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5066-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmountConsumer</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all loans and leases held in portfolio, not otherwise categorized (such as commercial, consumer, or foreign), net of unearned income and the allowance for losses on loans and leases, not otherwise categorized (such as commercial, consumer, or foreign).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5066-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents loans held-for-sale as presented on the statement of financial position which may include mortgage loans held-for-sale, finance receivables held-for-sale, or any other loans classified as held-for-sale which are due the Company as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value as of the balance sheet date of an asset representing net future revenues from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph B9<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 13A, 13B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph f(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122625-111746<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ServicingAssetAtFairValueAmount</nobr></td>
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                    <td>xbrli:monetaryItemType</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of time deposits, including certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYDAC">
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          <div style="width: 200px;"><strong>Loans (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table shows the composition of the Company's loan portfolio as of December 31, 2012 and 2011:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">December 31, 2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">December 31, 2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Commercial</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Real estate</div></td><td valign="bottom" style="width: 1%; 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font-weight: bold;">%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">864,988,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; 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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansToDirectorsOfficersAndEmployeesWhichExceed60000TableTextBlock', window );">Loans to Directors, Officers and Employees which exceed $60,000</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Loans to directors, officers and employees totaled $28,707,000 at December 31, 2012 and $37,935,000 at December 31, 2011. 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      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PastDueFinancingReceivablesTableTextBlock', window );">Past Due Loans Aging</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Information on the past-due status of loans as of December 31, 2012, is presented in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">30-59 Days</div><div style="text-align: center; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">9,271,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">10,469,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 16%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Home equity line of credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">480,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,134,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; 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text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">347,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">16,441,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; 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color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">17,978,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">26,597,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; 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color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">864,988,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,170,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; 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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock', window );">Nonaccrual Loans</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Information on nonaccrual loans as of December 31, 2012 and 2011 is presented in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">As of December 31</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Commercial</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Real estate</div></td><td valign="bottom" style="width: 1%; 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width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,350,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Other</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">3,459,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5,784,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Municipal</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Term</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">10,333,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">10,194,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,198,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Home equity line of credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">654,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,163,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Consumer</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">53,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Total</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">19,150,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">27,806,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ImpairedLoansInformationTableTextBlock', window );">Impaired Loans</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Information regarding impaired loans is as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For the years ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2010</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Average investment in impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">45,019,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">28,777,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">25,836,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest income recognized on impaired loans, all on cash basis</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">1,039,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; 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font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Balance of impaired loans</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">45,744,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Portion of allowance for loan losses allocated to the impaired loan balance</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">3,539,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,058,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivablesTableTextBlock', window );">Impaired Loans by class of financing receivable</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A breakdown of impaired loans by category as of December 31, 2012, is presented in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Recorded Investment</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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font-size: 10pt;">16,821,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">478,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">15,121,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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font-size: 10pt;">1,198,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,198,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">235,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">11,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">96,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; 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text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,120,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,120,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,058,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; 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                <p>Tabular disclosure of investment in impaired loans, along with income recognized and allowance for impaired loans.</p>
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                <p>No definition available.</p>
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                <p>Tabular disclosure for loans to directors, officers and employees which exceed specific reporting thresholds.</p>
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                <p>No definition available.</p>
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                <p>Tabular disclosure of the composition of loans contained in the loan portfolio.</p>
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                <p>No definition available.</p>
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                <p>Tabular disclosure of impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
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                <p>Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5111-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953401-111524<br><br><br><br></p>
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                <p>Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.</p>
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text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Cash flows from financing activities:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;Payment to repurchase preferred stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(12,500,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;Proceeds from sale of common stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">499,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">431,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">416,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; 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text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(8,751,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(8,865,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">&#160;&#160;&#160;Net cash used in financing activities</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">(7,811,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(20,820,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(8,449,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net increase in cash and cash equivalents</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">1,791,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">252,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">329,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Cash and cash equivalents at beginning of year</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">894,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">642,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">313,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Cash and cash equivalents at end of year</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">2,685,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">894,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">642,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the condensed financial information of the Parent Company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CondensedFinancialInformationForParentTableTextBlock</nobr></td>
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                    <td><strong> Period Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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          </td>
        </tr>
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    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>36
<FILENAME>R67.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EXCAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Employee Benefit Plans, Accumulated Post-Retirement Benefit Obligation, Funded Status, and Net Periodic Benefit Cost (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward', window );"><strong>Change in Benefit Obligations [Roll Forward]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at beginning of year</a></td>
        <td class="nump">$ 1,848,000<span></span></td>
        <td class="nump">$ 1,796,000<span></span></td>
        <td class="nump">$ 1,962,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump">16,000<span></span></td>
        <td class="nump">12,000<span></span></td>
        <td class="nump">15,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump">107,000<span></span></td>
        <td class="nump">112,000<span></span></td>
        <td class="nump">117,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitsPaid', window );">Benefits paid</a></td>
        <td class="num">(103,000)<span></span></td>
        <td class="num">(134,000)<span></span></td>
        <td class="num">(136,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ActuarialGainLoss', window );">Actuarial (gain) loss</a></td>
        <td class="nump">86,000<span></span></td>
        <td class="nump">62,000<span></span></td>
        <td class="num">(162,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at end of period</a></td>
        <td class="nump">1,954,000<span></span></td>
        <td class="nump">1,848,000<span></span></td>
        <td class="nump">1,796,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract', window );"><strong>Funded Status of Plan [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanBenefitObligation', window );">Benefit obligation at end of period</a></td>
        <td class="num">(1,954,000)<span></span></td>
        <td class="num">(1,848,000)<span></span></td>
        <td class="num">(1,796,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_UnamortizedPriorServiceCost', window );">Unamortized prior service cost</a></td>
        <td class="nump">186,000<span></span></td>
        <td class="nump">100,000<span></span></td>
        <td class="nump">49,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_UnrecognizedTransitionObligation', window );">Unrecognized transition obligation</a></td>
        <td class="nump">5,000<span></span></td>
        <td class="nump">34,000<span></span></td>
        <td class="nump">63,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan', window );">Accrued benefit cost at end of period</a></td>
        <td class="num">(1,763,000)<span></span></td>
        <td class="num">(1,714,000)<span></span></td>
        <td class="num">(1,684,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_WeightedAverageDiscountRateAsOfDecember31', window );">Weighted average discount rate as of December 31</a></td>
        <td class="nump">0.045<span></span></td>
        <td class="nump">0.065<span></span></td>
        <td class="nump">0.065<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCostAbstract', window );"><strong>Components of Net Periodic Benefit Cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanServiceCost', window );">Service cost</a></td>
        <td class="nump">16,000<span></span></td>
        <td class="nump">12,000<span></span></td>
        <td class="nump">15,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanInterestCost', window );">Interest cost</a></td>
        <td class="nump">107,000<span></span></td>
        <td class="nump">112,000<span></span></td>
        <td class="nump">117,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets', window );">Amortization of unrecognized transition obligation</a></td>
        <td class="nump">29,000<span></span></td>
        <td class="nump">29,000<span></span></td>
        <td class="nump">29,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AmortizationOfPriorServiceCredit', window );">Amortization of prior service credit</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses', window );">Amortization of accumulated losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">22,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost', window );">Net periodic benefit cost</a></td>
        <td class="nump">$ 152,000<span></span></td>
        <td class="nump">$ 164,000<span></span></td>
        <td class="nump">$ 183,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_WeightedAverageDiscountRateForNetPeriodicCost', window );">Weighted average discount rate for net periodic cost</a></td>
        <td class="nump">0.045<span></span></td>
        <td class="nump">0.065<span></span></td>
        <td class="nump">0.065<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ActuarialGainLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Actuarial (gain) loss</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ActuarialGainLoss</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AmortizationOfPriorServiceCredit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amortization of prior service credit</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AmortizationOfPriorServiceCredit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_UnamortizedPriorServiceCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Unamortized prior service cost</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_UnamortizedPriorServiceCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_UnrecognizedTransitionObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Unrecognized transition obligation</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_UnrecognizedTransitionObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_WeightedAverageDiscountRateAsOfDecember31">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average discount rate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_WeightedAverageDiscountRateAsOfDecember31</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:pureItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_WeightedAverageDiscountRateForNetPeriodicCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Weighted average discount rate for net periodic cost</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_WeightedAverageDiscountRateForNetPeriodicCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:pureItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of gains or losses recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfGainsLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the transition obligation or asset recognized in net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanAmortizationOfTransitionObligationsAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitObligation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>1) For defined benefit pension plans, the benefit obligation is the projected benefit obligation, which is the actuarial present value as of a date of all benefits attributed by the pension benefit formula to employee service rendered prior to that date.  2) For other postretirement defined benefit plans, the benefit obligation is the accumulated postretirement benefit obligation, which is the actuarial present value of benefits attributed to employee service rendered to a particular date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Projected Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522206<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Accumulated Postretirement Benefit Obligation<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6503904<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 6<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph E1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanBenefitObligation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanBenefitsPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of payments made for which participants are entitled under a pension plan, including pension benefits, death benefits, and benefits due on termination of employment. Also includes payments made under a postretirement benefit plan, including prescription drug benefits, health care benefits, life insurance benefits, and legal, educational and advisory services. This item represents a periodic decrease to the plan obligations and a decrease to plan assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)(5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506309<br><br> -Topic 715<br><br> -SubTopic 60<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS106-2<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506267<br><br> -Topic 715<br><br> -SubTopic 30<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Postretirement Benefits<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6521376<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 60<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414203&amp;loc=d3e39716-114964<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanBenefitsPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanChangeInBenefitObligationRollForward</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The funded status is measured as the difference between the fair value of plan assets and the benefit obligation. Will normally be the same as the net Defined Benefit Plan, Amounts Recognized in Balance Sheet, Total.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6410544&amp;loc=d3e1703-114919<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFundedStatusOfPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanFundedStatusOfPlanAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanInterestCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase in a defined benefit pension plan's projected benefit obligation or a defined benefit postretirement plan's accumulated postretirement benefit obligation due to the passage of time.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanInterestCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanNetPeriodicBenefitCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of net periodic benefit cost for defined benefit plans for the period. Periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
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                <p>The actuarial present value of benefits attributed by the pension benefit formula to services rendered by employees during the period. The portion of the expected postretirement benefit obligation attributed to employee service during the period. The service cost component is a portion of the benefit obligation and is unaffected by the funded status of the plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Service Cost (Component of Net Periodic Pension Cost)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6525008<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a, h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ELOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Other Real Estate Owned (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_SummaryOtherRealEstateOwnedAbstract', window );"><strong>Summary Other Real Estate Owned [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 4,094,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateOwnedValuationAllowanceRollForward', window );"><strong>Real Estate Owned Valuation Allowance [Roll Forward]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateOwnedValuationAllowance', window );">Balance at beginning of year</a></td>
        <td class="nump">436,000<span></span></td>
        <td class="nump">132,000<span></span></td>
        <td class="nump">583,000<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateOwnedValuationAllowanceAmountsApplied', window );">Losses charged to allowance</a></td>
        <td class="num">(460,000)<span></span></td>
        <td class="num">(980,000)<span></span></td>
        <td class="num">(803,000)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateOwnedValuationAllowanceProvision', window );">Provision charged to operating expenses</a></td>
        <td class="nump">397,000<span></span></td>
        <td class="nump">1,284,000<span></span></td>
        <td class="nump">352,000<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateOwnedValuationAllowance', window );">Balance at end of year</a></td>
        <td class="nump">$ 373,000<span></span></td>
        <td class="nump">$ 436,000<span></span></td>
        <td class="nump">$ 132,000<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of land and buildings obtained through foreclosure proceedings or defeasance in full or partial satisfaction of a debt arrangement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 11<br><br> -Paragraph 2, 9, 10, 11<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4437-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Subparagraph Schedule III<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 28<br><br> -Article 12<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For each period for which an income statement is required, disclosure of the changes in the allowance, including balances at end of period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 11<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Subparagraph 4<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the valuation allowance for real estate owned that was applied in the period against the carrying amount of real estate owned that was sold, written down or written off.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 11<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Subparagraph 4<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of the increase in the real estate owned valuation allowance that is charged against earnings in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 11<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Subparagraph 4<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
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          <div style="width: 200px;"><strong>Earnings Per Share (Tables)<br></strong></div>
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          <div>Dec. 31, 2012</div>
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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net income as reported</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ScheduleOfNumberOfOptionsAndWarrantsOutstandingTableTextBlock', window );">Number of options and warrants outstanding and amount above or below the strike price</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">All earnings per share calculations have been made using the weighted average number of shares outstanding during the period. The dilutive securities are incentive stock options granted to certain key members of Management and warrants granted to the U.S. Treasury under the Capital Purchase Program. The dilutive number of shares has been calculated using the treasury method, assuming that all granted options and warrants were exercisable at the end of each period. 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width: 24.1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;Out-of-the-Money</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">As of December 31, 2012</div></td><td style="width: 17.19%; vertical-align: bottom;"><div>&#160;</div></td><td style="width: 19.03%; vertical-align: bottom;"><div>&#160;</div></td><td style="width: 24.1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Incentive stock options</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,000</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,000</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Warrants issued to U.S. Treasury</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td></tr><tr><td style="border-bottom: #000000 2px solid; 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vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Incentive stock options</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">55,500</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">13,500</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,000</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Warrants issued to U.S. Treasury</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total dilutive securities</div></td><td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">281,404</div></td><td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NotesToFinancialStatementsAbstract', window );"><strong>Notes to Financial Statements [Abstract]</strong></a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Summary of Significant Accounting Policies</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 1. Summary of Significant Accounting Policies</u></div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Principles of Consolidation</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The consolidated financial statements include the accounts of the Company and the Bank. All intercompany accounts and transactions have been eliminated in consolidation.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Subsequent Events</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Events occurring subsequent to December 31, 2012, have been evaluated as to their potential impact to the financial statements.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Use of Estimates in Preparation of Financial Statements</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In preparing the financial statements in accordance with accounting principles generally accepted in the United States of America, Management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the date of the balance sheet and revenues and expenses for the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, goodwill, the valuation of mortgage servicing rights, and other-than-temporary impairment of securities.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Investment Securities</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Investment securities are classified as available for sale or held to maturity when purchased. There are no trading account securities. Securities available for sale consist primarily of debt securities which Management intends to hold for indefinite periods of time. They may be used as part of the Bank's funds management strategy, and may be sold in response to changes in interest rates or prepayment risk, changes in liquidity needs, or for other reasons. They are accounted for at fair value, with unrealized gains or losses adjusted through shareholders' equity, net of related income taxes. Securities to be held to maturity consist primarily of debt securities which Management has acquired solely for long-term investment purposes, rather than for purposes of trading or future sale. For securities to be held to maturity, Management has the intent and the Bank has the ability to hold such securities until their respective maturity dates. Such securities are carried at cost adjusted for the amortization of premiums and accretion of discounts. Investment securities transactions are accounted for on a settlement date basis; reported amounts would not be materially different from those accounted for on a trade date basis. Gains and losses on the sales of investment securities are determined using the amortized cost of the security. For declines in the fair value of individual debt securities available for sale below their cost that are deemed to be other than temporary, where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security before recovery of its amortized cost basis, the other-than-temporary decline in the fair value of the debt security related to 1) credit loss is recognized in earnings and 2) other factors is recognized in other comprehensive income or loss. Credit loss is deemed to exist if the present value of expected future cash flows using the effective rate at acquisition is less than the amortized cost basis of the debt security. For individual debt securities where the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the security's cost basis and its fair value at the balance sheet date.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loans Held for Sale</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans held for sale consist of residential real estate mortgage loans and are carried at the lower of aggregate cost or market value, as determined by current investor yield requirements.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loans</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans are generally reported at their outstanding principal balances, adjusted for chargeoffs, the allowance for loan losses and any deferred fees or costs to originate loans. Loan commitments are recorded when funded.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loan Fees and Costs</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loan origination fees and certain direct loan origination costs are deferred and recognized in interest income as an adjustment to the loan yield over the life of the related loans. The unamortized net deferred fees and costs are included on the balance sheets with the related loan balances, and the amortization is included with the related interest income.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Allowance for Loan Losses</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans considered to be uncollectible are charged against the allowance for loan losses. The allowance for loan losses is maintained at a level determined by Management to be appropriate to absorb probable losses. This allowance is increased by provisions charged to operating expenses and recoveries on loans previously charged off. Arriving at an appropriate level of allowance for loan losses necessarily involves a high degree of judgment. In determining the appropriate level of allowance for loan losses, Management takes into consideration several factors, including reviews of individual non-performing loans and performing loans listed on the watch report requiring periodic evaluation, loan portfolio size by category, recent loss experience, delinquency trends and current economic conditions. For all loan classes, loans over 30 days past due are considered delinquent. Impaired loans include restructured loans and loans placed on non-accrual status when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreement. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. Management takes into consideration impaired loans in addition to the above mentioned factors in determining the appropriate level of allowance for loan losses.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Troubled Debt Restructured</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A troubled debt restructured ("TDR") constitutes a restructuring of debt if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan to first determine if the borrower demonstrates financial difficulty. Common indicators of this include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender. If the borrower is experiencing financial difficulty and concessions are granted, such as maturity date extension, interest rate adjustments to below market pricing, or a deferment of payments, the loan will generally be classified as a TDR.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Goodwill and Identified Intangible Assets</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Intangible assets include the excess of the purchase price over the fair value of net assets acquired (goodwill) from the acquisition of FNB Bankshares in 2005 as well as the core deposit intangible related to the same acquisition. The core deposit intangible is amortized on a straight-line basis over ten years. Annual amortization expense for 2012, 2011 and 2010 was $283,000 and the amortization expense for each year until fully amortized will be $283,000. Intangible assets also include the goodwill and core deposit intangible from the 2012 acquisition of a bank branch in Rockland, Maine and a bank building in Bangor, Maine. The core deposit intangible will be amortized on a straight-line basis over ten years. Annual amortization expense for each year until fully amortized will be $43,000. The straight-line basis is used because the Company does not expect significant run off in the core deposits acquired. The Company annually evaluates goodwill, and periodically evaluates other intangible assets for impairment on the basis of whether these assets are fully recoverable from projected, undiscounted net cash flows of the acquired company. At December 31, 2012, the Company determined goodwill and other intangible assets were not impaired.</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Income Taxes</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between financial statement carrying amounts of assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period the change is enacted.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Accrual of Interest Income and Expense</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest on loans and investment securities is taken into income using methods which relate the income earned to the balances of loans and investment securities outstanding. Interest expense on liabilities is derived by applying applicable interest rates to principal amounts outstanding. For all classes of loans, recording of interest income on problem loans, which includes impaired loans, ceases when collectibility of principal and interest within a reasonable period of time becomes doubtful. Cash payments received on non-accrual loans, which includes impaired loans, are applied to reduce the loan's principal balance until the remaining principal balance is deemed collectible, after which interest is recognized when collected. As a general rule, a loan may be restored to accrual status when payments are current for a substantial period of time, generally six months, and repayment of the remaining contractual amounts is expected or when it otherwise becomes well secured and in the process of collection.</div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">&#160;</div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Premises and Equipment</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Premises, furniture and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed by straight-line and accelerated methods over the asset's estimated useful life.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Other Real Estate Owned (OREO)</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Real estate acquired by foreclosure or deed in lieu of foreclosure is transferred to OREO and recorded at fair value, less estimated costs to sell, based on appraised value at the date actually or constructively received. Loan losses arising from the acquisition of such property are charged against the allowance for loan losses. Subsequent provisions to reduce the carrying value of a property are recorded to the allowance for OREO losses and a charge to operations on a specific property basis.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Earnings Per Share</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Basic earnings per share data are based on the weighted average number of common shares outstanding during each year. Diluted earnings per share gives effect to restricted stock granted and stock options and warrants outstanding, determined by the treasury stock method.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Post-Retirement Benefits</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The cost of providing post-retirement benefits is accrued during the active service period of the employee or director.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Comprehensive Income</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Comprehensive income includes net income and other comprehensive income (loss), which is comprised of the change in unrealized gains and losses on securities available for sale, net of tax, and unrecognized gains and loss related to post-retirement benefit costs, net of tax.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Segments</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The First Bancorp, Inc., through the branches of its subsidiary, The First, N.A., provides a broad range of financial services to individuals and companies in coastal Maine. These services include demand, time, and savings deposits; lending; ATM processing; and investment management and trust services. Operations are managed and financial performance is evaluated on a corporate-wide basis. Accordingly, all of the Company's banking operations are considered by Management to be aggregated in one reportable operating segment.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loan Servicing</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Servicing rights are recognized when they are acquired through sale of loans. Capitalized servicing rights are reported in other assets and are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights by predominant characteristics, such as interest rates and terms. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that fair value is less than the capitalized amount for the stratum.</div></div><span></span></td>
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                <p>The entire disclosure for all significant accounting policies of the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18743-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18854-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 22<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18861-107790<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18726-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SignificantAccountingPoliciesTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
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                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EAEBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Acquisitions and Intangible Assets (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Oct. 26, 2012</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Bank Acquisitions From Camden National Bank [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits', window );">Deposit liabilities assumed in acquisition</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 32,300,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash', window );">Cash</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">25,297,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentAssetsReceivables', window );">Loans</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">224,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationPropertyPlantAndEquipment', window );">Bank premises and equipment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,776,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets', window );">Accrued interest receivable and other assets</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">24,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationAmortizableIntangibleAssets', window );">Core deposit intangible</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">432,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationGoodwillAmount', window );">Goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,121,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentLiabilitiesOtherLiabilities', window );">Deposits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">31,858,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentLiabilitiesAccruedLiabilities', window );">Accrued interest and other liabilities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">16,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessCombinationPurchasePremium', window );">Business combination purchase premium</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,553,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract', window );"><strong>Future amortization expense of core deposits acquired [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearOne', window );">2013</a></td>
        <td class="nump">43,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearTwo', window );">2014</a></td>
        <td class="nump">43,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearThree', window );">2015</a></td>
        <td class="nump">43,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearFour', window );">2016</a></td>
        <td class="nump">43,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearFive', window );">2017</a></td>
        <td class="nump">43,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseAfterYearFive', window );">Thereafter</a></td>
        <td class="nump">217,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpense', window );">Total</a></td>
        <td class="nump">432,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts', window );">One time acquisition costs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">251,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionProFormaInformationAbstract', window );"><strong>Pro forma information [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessAcquisitionsProFormaInterestIncome', window );">Interest income</a></td>
        <td class="nump">2,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessAcquisitionsProFormaInterestExpense', window );">Interest expense</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ProFormaInterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="num">(19,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessAcquisitionsProFormaNonInterestIncome', window );">Non-interest income</a></td>
        <td class="nump">36,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessAcquisitionsProFormaNonInterestExpense', window );">Non-interest expense</a></td>
        <td class="nump">55,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessAcquisitionsProFormaIncomeLossBeforeTax', window );">Loss before taxes</a></td>
        <td class="num">(38,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BusinessAcquisitionsProFormaTaxEffect', window );">Tax benefit</a></td>
        <td class="num">(13,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss', window );">Net loss</a></td>
        <td class="num">(25,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">FNB Bankshares [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionLineItems', window );"><strong>Business Acquisition [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityPurchasePrice', window );">Total value of transaction</a></td>
        <td class="nump">47,955,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationGoodwillAmount', window );">Goodwill</a></td>
        <td class="nump">27,559,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Acquisition in 2001 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationGoodwillAmount', window );">Goodwill</a></td>
        <td class="nump">$ 125,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessAcquisitionsProFormaIncomeLossBeforeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma income from continuing operations before the tax effect, for the period as if the business combination or combinations had been completed at the beginning of a period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma interest expense for a period as if the business combination or combinations had been completed at the beginning of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessAcquisitionsProFormaInterestExpense</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessAcquisitionsProFormaInterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma interest revenue for a period as if the business combination or combinations had been completed at the beginning of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessAcquisitionsProFormaInterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessAcquisitionsProFormaNonInterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma non-interest expense for a period as if the business combination or combinations had been completed at the beginning of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessAcquisitionsProFormaNonInterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessAcquisitionsProFormaNonInterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma non-interest revenue for a period as if the business combination or combinations had been completed at the beginning of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessAcquisitionsProFormaNonInterestIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessAcquisitionsProFormaTaxEffect">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessAcquisitionsProFormaTaxEffect</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of fair value of identifiable accrued interest receivable and other assets, recognized as of the acquisition date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessCombinationFairValueOfIdentifiableAccruedAndOtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of fair value of identifiable cash, recognized as of the acquisition date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessCombinationFairValueOfIdentifiableAssetsCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessCombinationPurchasePremium">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The premium paid to acquire an entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessCombinationPurchasePremium</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of financial liabilities assumed, deposits which have been recognized as of the acquisition date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BusinessCombinationRecognizedLiabilitiesAssumedDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ProFormaInterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma net amount of operating income (expense) for a period as if the business combination or combinations had been completed at the beginning of the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ProFormaInterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityPurchasePrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total cost of the acquired entity including the cash paid to shareholders of acquired entities, fair value of debt and equity securities issued to shareholders of acquired entities, the fair value of the liabilities assumed, and direct costs of the acquisition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionCostOfAcquiredEntityPurchasePrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of direct costs of the business combination including legal, accounting, and other costs incurred to consummate the business acquisition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 24<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionCostOfAcquiredEntityTransactionCosts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionProFormaInformationAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionProFormaInformationAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationAmortizableIntangibleAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of acquisition cost of a business combination allocated to an identifiable intangible asset that will be amortized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 52<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionPurchasePriceAllocationAmortizableIntangibleAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentAssetsReceivables">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of acquisition cost of a business combination allocated to receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 37<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentAssetsReceivables</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentLiabilitiesAccruedLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of acquisition cost of a business combination allocated to accrued expenses of the acquired entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentLiabilitiesAccruedLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentLiabilitiesOtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of acquisition cost of a business combination allocated to other current liabilities of the acquired entity. Does not include amounts allocated to the current portion of long-term debt, accounts payable and accrued expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionPurchasePriceAllocationCurrentLiabilitiesOtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationGoodwillAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of goodwill arising from a business combination, which is the excess of the cost of the acquired entity over the amounts assigned to assets acquired and liabilities assumed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 52<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 53<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionPurchasePriceAllocationGoodwillAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionPurchasePriceAllocationPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of acquisition cost of a business combination allocated to property, plant and equipment to be used in ongoing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 37<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionPurchasePriceAllocationPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The pro forma net Income or Loss for the period as if the business combination or combinations had been completed at the beginning of a period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(2)-(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1392-128463<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionsProFormaNetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate estimated amortization expense for succeeding fiscal years for intangible assets subject to amortization.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FutureAmortizationExpenseAfterYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized for the remainder of the finite-lived intangible asset useful life after the fifth succeeding fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FutureAmortizationExpenseAfterYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FutureAmortizationExpenseYearFive">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized during year five of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FutureAmortizationExpenseYearFive</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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          </td>
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                <p>The amount of amortization expense expected to be recognized during year four of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized during year one of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
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                <p>The amount of amortization expense expected to be recognized during year three of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
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                <p>The amount of amortization expense expected to be recognized during year two of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
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          <div style="width: 200px;"><strong>Certificates of Deposit (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankingAndThriftAbstract', window );"><strong>Certificates of Deposit [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TimeDepositsTableTextBlock', window );">Certificates of deposit</a></td>
        <td class="text"><div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table represents the breakdown of Certificates of Deposit at December 31, 2012 and 2011:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">December 31, 2012</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">December 31, 2011</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certificates of deposit &lt; $100,000</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">199,265,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">216,836,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certificates $100,000 to $250,000</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">277,571,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">309,841,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certificates $250,000 and over</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">28,220,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">22,499,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">505,056,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">549,176,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div></div></div><span></span></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ScheduleOfMaturitiesOfTimeDepositsTableTextBlock', window );">Maturities of certificates of deposit</a></td>
        <td class="text"><div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31, 2012, the scheduled maturities of certificates of deposit are as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Year of<font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><br /></font>Maturity</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Less than $100,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$100,000 and Greater</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">All Certificates of Deposit</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2013</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">84,984,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">219,735,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">304,719,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2014</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">46,347,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div class="trgrxbrlF08080"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">27,099,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">73,446,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2015</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">50,925,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,026,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">92,951,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2016</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">11,564,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">10,671,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; 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                <p>The tabular disclosure of the contractual maturities of time deposits.</p>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 21. Legal Contingencies</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Various legal claims also arise from time to time in the normal course of business which, in the opinion of Management, will have no material effect on the Company's consolidated financial statements.</div></div><span></span></td>
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                <p>The entire disclosure for loss and gain contingencies. Describes any existing condition, situation, or set of circumstances involving uncertainty as of the balance sheet date (or prior to issuance of the financial statements) as to a probable or reasonably possible loss incurred by an entity that will ultimately be resolved when one or more future events occur or fail to occur, and typically discloses the amount of loss recorded or a range of possible loss, or an assertion that no reasonable estimate can be made.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">ATM and debit card income</div></td><td valign="bottom" style="border-bottom: #000000 1.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">1,994,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 1.5pt solid; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Advertising and marketing expense</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">935,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">713,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">688,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Collections/foreclosures/ other real estate owned expense</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">606,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">964,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">825,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">ATM and interchange expense</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">940,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">848,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">581,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Legal fees and expenses</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">715,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">670,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">608,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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                    <td><nobr>us-gaap_OtherIncomeAndExpensesAbstract</nobr></td>
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                <p>The entire disclosure for other income or other expense items (both operating and nonoperating). Sources of nonoperating income or nonoperating expense that may be disclosed, include amounts earned from dividends, interest on securities, profits (losses) on securities, net and miscellaneous other income or income deductions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 3, 6, 7, 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3,6,7,9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2UHK">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment Securities (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Securities available for sale</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis', window );">Amortized Cost-Equity</a></td>
        <td class="nump">$ 1,578,000<span></span></td>
        <td class="nump">$ 1,535,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Amortized Cost-Total</a></td>
        <td class="nump">279,399,000<span></span></td>
        <td class="nump">274,816,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Unrealized Gains</a></td>
        <td class="nump">12,753,000<span></span></td>
        <td class="nump">12,007,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Unrealized Losses</a></td>
        <td class="num">(538,000)<span></span></td>
        <td class="num">(621,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="nump">286,202,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainsLossesSaleProceeds', window );">Proceeds from sales</a></td>
        <td class="nump">26,437,000<span></span></td>
        <td class="nump">140,417,000<span></span></td>
        <td class="nump">202,000<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains', window );">Gross gains</a></td>
        <td class="nump">2,257,000<span></span></td>
        <td class="nump">4,020,000<span></span></td>
        <td class="nump">2,000<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses', window );">Gross losses</a></td>
        <td class="num">(289,000)<span></span></td>
        <td class="num">(727,000)<span></span></td>
        <td class="nump">0<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gain</a></td>
        <td class="nump">1,968,000<span></span></td>
        <td class="nump">3,293,000<span></span></td>
        <td class="nump">2,000<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax', window );">Related income taxes</a></td>
        <td class="nump">689,000<span></span></td>
        <td class="nump">1,153,000<span></span></td>
        <td class="nump">1,000<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TemporarilyImpairedSecuritiesAbstract', window );"><strong>Temporarily Impaired Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months, Fair Value</a></td>
        <td class="nump">34,420,000<span></span></td>
        <td class="nump">14,627,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or more, Fair Value</a></td>
        <td class="nump">2,756,000<span></span></td>
        <td class="nump">9,292,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total, Fair Value</a></td>
        <td class="nump">37,176,000<span></span></td>
        <td class="nump">23,919,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1', window );">Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(612,000)<span></span></td>
        <td class="num">(162,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1', window );">12 months or more, Unrealized Losses</a></td>
        <td class="num">(127,000)<span></span></td>
        <td class="num">(634,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1', window );">Total, Unrealized Losses</a></td>
        <td class="num">(739,000)<span></span></td>
        <td class="num">(796,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfStatesInNewEnglandWhereFhlbServe', window );">Number Of States in New England Where FHLB Serve</a></td>
        <td class="nump">6<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankStock', window );">Federal Home Loan Bank stock, at cost</a></td>
        <td class="nump">13,412,000<span></span></td>
        <td class="nump">14,031,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Balance at beginning of year</a></td>
        <td class="nump">7,401,000<span></span></td>
        <td class="num">(2,057,000)<span></span></td>
        <td class="num">(125,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax', window );">Unrealized gains (losses) arising during the period</a></td>
        <td class="nump">2,797,000<span></span></td>
        <td class="nump">17,844,000<span></span></td>
        <td class="num">(2,971,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax', window );">Realized (gains) losses during the period</a></td>
        <td class="num">(1,968,000)<span></span></td>
        <td class="num">(3,293,000)<span></span></td>
        <td class="num">(2,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesTax', window );">Related deferred taxes</a></td>
        <td class="num">(290,000)<span></span></td>
        <td class="num">(5,093,000)<span></span></td>
        <td class="nump">1,041,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Net change</a></td>
        <td class="nump">539,000<span></span></td>
        <td class="nump">9,458,000<span></span></td>
        <td class="num">(1,932,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Balance at end of year</a></td>
        <td class="nump">7,940,000<span></span></td>
        <td class="nump">7,401,000<span></span></td>
        <td class="num">(2,057,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Securities to be held to maturity, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Amortized Cost</a></td>
        <td class="nump">143,320,000<span></span></td>
        <td class="nump">122,661,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Unrealized Gains</a></td>
        <td class="nump">7,128,000<span></span></td>
        <td class="nump">8,191,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Unrealized Losses</a></td>
        <td class="num">(201,000)<span></span></td>
        <td class="num">(175,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">150,247,000<span></span></td>
        <td class="nump">130,677,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAbstract', window );"><strong>Restricted equity securities, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAmortizedCost', window );">Amortized Cost</a></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesUnrealizedGains', window );">Unrealized Gains</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesUnrealizedLosses', window );">Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquiySecuritiesFairValueEstimated', window );">Fair Value Estimated</a></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesAmortizedCostAbstract', window );"><strong>Securities available for sale, maturities amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Amortized cost, debt maturities, due in 1 year or less</a></td>
        <td class="nump">18,761,000<span></span></td>
        <td class="nump">6,617,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Amortized cost, debt maturities, due in 1 to 5 years</a></td>
        <td class="nump">27,243,000<span></span></td>
        <td class="nump">18,792,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Amortized cost, debt maturities, due in 5 to 10 years</a></td>
        <td class="nump">16,686,000<span></span></td>
        <td class="nump">23,219,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Amortized cost, debt maturities, due after 10 years</a></td>
        <td class="nump">215,131,000<span></span></td>
        <td class="nump">224,653,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis', window );">Amortized cost, equity maturities</a></td>
        <td class="nump">1,578,000<span></span></td>
        <td class="nump">1,535,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Amortized Cost-Total</a></td>
        <td class="nump">279,399,000<span></span></td>
        <td class="nump">274,816,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Fair value, debt maturities, due in 1 year or less</a></td>
        <td class="nump">18,926,000<span></span></td>
        <td class="nump">6,773,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Fair value, debt maturities, due in 1 to 5 years</a></td>
        <td class="nump">27,816,000<span></span></td>
        <td class="nump">19,473,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Fair value, debt maturities, due in 5 to 10 years</a></td>
        <td class="nump">17,666,000<span></span></td>
        <td class="nump">24,065,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue', window );">Fair value, debt maturities, due after 10 years</a></td>
        <td class="nump">225,629,000<span></span></td>
        <td class="nump">234,458,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities', window );">Fair value, equity maturities</a></td>
        <td class="nump">1,577,000<span></span></td>
        <td class="nump">1,433,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="nump">286,202,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Securities to be held to maturity, maturities, amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearNetCarryingAmount', window );">Amortized cost, due in 1 year or less</a></td>
        <td class="nump">3,754,000<span></span></td>
        <td class="nump">5,179,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsNetCarryingAmount', window );">Amortized cost, due in 1 to 5 years</a></td>
        <td class="nump">11,950,000<span></span></td>
        <td class="nump">10,085,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsNetCarryingAmount', window );">Amortized cost, due in 5 to 10 years</a></td>
        <td class="nump">27,461,000<span></span></td>
        <td class="nump">23,027,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsNetCarryingAmount', window );">Amortized cost, due after 10 years</a></td>
        <td class="nump">100,155,000<span></span></td>
        <td class="nump">84,370,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Total amortized cost, held to maturity securities</a></td>
        <td class="nump">143,320,000<span></span></td>
        <td class="nump">122,661,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Fair value, due in 1 year or less</a></td>
        <td class="nump">3,785,000<span></span></td>
        <td class="nump">5,227,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Fair value, due in 1 to 5 years</a></td>
        <td class="nump">12,701,000<span></span></td>
        <td class="nump">10,654,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Fair value, due in 5 to 10 years</a></td>
        <td class="nump">29,986,000<span></span></td>
        <td class="nump">24,694,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesAfterTenYearsFairValue', window );">Fair value, due after 10 years</a></td>
        <td class="nump">103,775,000<span></span></td>
        <td class="nump">90,102,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">150,247,000<span></span></td>
        <td class="nump">130,677,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral', window );">Fair value of securities pledged to secure borrowings from the Federal Home Loan Bank of Boston, public deposits, repurchase agreements, and for other purposes as required by law</a></td>
        <td class="nump">154,817,000<span></span></td>
        <td class="nump">141,506,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfSecuritiesTemporarilyImpaired', window );">Number of securities temporarily impaired as a result of changes in interest rates reducing their fair value (in number of securities)</a></td>
        <td class="nump">42<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths', window );">Number of securities temporarily impaired for 12 months or more (in number of securities)</a></td>
        <td class="nump">7<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LengthOfTimeSecuritiesTemporarilyImpaired', window );">Length of time for the temporary impairment (in months)</a></td>
        <td class="text">12M<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Federal Home Loan Bank Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAbstract', window );"><strong>Restricted equity securities, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAmortizedCost', window );">Amortized Cost</a></td>
        <td class="nump">13,412,000<span></span></td>
        <td class="nump">14,031,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesUnrealizedGains', window );">Unrealized Gains</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesUnrealizedLosses', window );">Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquiySecuritiesFairValueEstimated', window );">Fair Value Estimated</a></td>
        <td class="nump">13,412,000<span></span></td>
        <td class="nump">14,031,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Federal Reserve Bank Stock [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAbstract', window );"><strong>Restricted equity securities, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAmortizedCost', window );">Amortized Cost</a></td>
        <td class="nump">1,036,000<span></span></td>
        <td class="nump">1,412,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesUnrealizedGains', window );">Unrealized Gains</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesUnrealizedLosses', window );">Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquiySecuritiesFairValueEstimated', window );">Fair Value Estimated</a></td>
        <td class="nump">1,036,000<span></span></td>
        <td class="nump">1,412,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">US Treasury and Government [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Securities to be held to maturity, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Amortized Cost</a></td>
        <td class="nump">60,919,000<span></span></td>
        <td class="nump">19,390,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Unrealized Gains</a></td>
        <td class="nump">242,000<span></span></td>
        <td class="nump">132,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Unrealized Losses</a></td>
        <td class="num">(182,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">60,979,000<span></span></td>
        <td class="nump">19,522,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Securities to be held to maturity, maturities, amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Total amortized cost, held to maturity securities</a></td>
        <td class="nump">60,919,000<span></span></td>
        <td class="nump">19,390,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">60,979,000<span></span></td>
        <td class="nump">19,522,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Collateralized Mortgage Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Securities to be held to maturity, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Amortized Cost</a></td>
        <td class="nump">39,193,000<span></span></td>
        <td class="nump">56,800,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Unrealized Gains</a></td>
        <td class="nump">2,850,000<span></span></td>
        <td class="nump">3,900,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Unrealized Losses</a></td>
        <td class="num">(19,000)<span></span></td>
        <td class="num">(3,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">42,024,000<span></span></td>
        <td class="nump">60,697,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Securities to be held to maturity, maturities, amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Total amortized cost, held to maturity securities</a></td>
        <td class="nump">39,193,000<span></span></td>
        <td class="nump">56,800,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">42,024,000<span></span></td>
        <td class="nump">60,697,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">US States and Political Subdivisions Debt Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Securities to be held to maturity, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Amortized Cost</a></td>
        <td class="nump">42,908,000<span></span></td>
        <td class="nump">46,171,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Unrealized Gains</a></td>
        <td class="nump">4,036,000<span></span></td>
        <td class="nump">4,159,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(172,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">46,944,000<span></span></td>
        <td class="nump">50,158,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Securities to be held to maturity, maturities, amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Total amortized cost, held to maturity securities</a></td>
        <td class="nump">42,908,000<span></span></td>
        <td class="nump">46,171,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">46,944,000<span></span></td>
        <td class="nump">50,158,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Debt Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract', window );"><strong>Securities to be held to maturity, cost and FMV [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Amortized Cost</a></td>
        <td class="nump">300,000<span></span></td>
        <td class="nump">300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain', window );">Unrealized Gains</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss', window );">Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">300,000<span></span></td>
        <td class="nump">300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesDebtMaturitiesNetCarryingAmountAbstract', window );"><strong>Securities to be held to maturity, maturities, amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Total amortized cost, held to maturity securities</a></td>
        <td class="nump">300,000<span></span></td>
        <td class="nump">300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecuritiesFairValue', window );">Fair Value Estimated</a></td>
        <td class="nump">300,000<span></span></td>
        <td class="nump">300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">US Treasury and Government [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TemporarilyImpairedSecuritiesAbstract', window );"><strong>Temporarily Impaired Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months, Fair Value</a></td>
        <td class="nump">15,817,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or more, Fair Value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total, Fair Value</a></td>
        <td class="nump">15,817,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1', window );">Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(182,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1', window );">12 months or more, Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1', window );">Total, Unrealized Losses</a></td>
        <td class="num">(182,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Collateralized Mortgage Backed Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Securities available for sale</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost-Debt</a></td>
        <td class="nump">164,752,000<span></span></td>
        <td class="nump">191,924,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Unrealized Gains</a></td>
        <td class="nump">4,636,000<span></span></td>
        <td class="nump">6,486,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Unrealized Losses</a></td>
        <td class="num">(295,000)<span></span></td>
        <td class="num">(178,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">169,093,000<span></span></td>
        <td class="nump">198,232,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TemporarilyImpairedSecuritiesAbstract', window );"><strong>Temporarily Impaired Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months, Fair Value</a></td>
        <td class="nump">9,982,000<span></span></td>
        <td class="nump">12,489,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or more, Fair Value</a></td>
        <td class="nump">2,534,000<span></span></td>
        <td class="nump">6,780,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total, Fair Value</a></td>
        <td class="nump">12,516,000<span></span></td>
        <td class="nump">19,269,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1', window );">Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(231,000)<span></span></td>
        <td class="num">(25,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1', window );">12 months or more, Unrealized Losses</a></td>
        <td class="num">(83,000)<span></span></td>
        <td class="num">(156,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1', window );">Total, Unrealized Losses</a></td>
        <td class="num">(314,000)<span></span></td>
        <td class="num">(181,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesAmortizedCostAbstract', window );"><strong>Securities available for sale, maturities amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">169,093,000<span></span></td>
        <td class="nump">198,232,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">US States and Political Subdivisions Debt Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Securities available for sale</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost-Debt</a></td>
        <td class="nump">113,069,000<span></span></td>
        <td class="nump">80,259,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Unrealized Gains</a></td>
        <td class="nump">8,074,000<span></span></td>
        <td class="nump">5,484,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Unrealized Losses</a></td>
        <td class="num">(199,000)<span></span></td>
        <td class="num">(17,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">120,944,000<span></span></td>
        <td class="nump">85,726,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TemporarilyImpairedSecuritiesAbstract', window );"><strong>Temporarily Impaired Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months, Fair Value</a></td>
        <td class="nump">8,621,000<span></span></td>
        <td class="nump">1,984,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or more, Fair Value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,667,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total, Fair Value</a></td>
        <td class="nump">8,621,000<span></span></td>
        <td class="nump">3,651,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1', window );">Less than 12 months, Unrealized Losses</a></td>
        <td class="num">(199,000)<span></span></td>
        <td class="num">(17,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1', window );">12 months or more, Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(172,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1', window );">Total, Unrealized Losses</a></td>
        <td class="num">(199,000)<span></span></td>
        <td class="num">(189,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesAmortizedCostAbstract', window );"><strong>Securities available for sale, maturities amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">120,944,000<span></span></td>
        <td class="nump">85,726,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Corporate Debt Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Securities available for sale</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis', window );">Amortized Cost-Debt</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,098,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Unrealized Gains</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(287,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">811,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TemporarilyImpairedSecuritiesAbstract', window );"><strong>Temporarily Impaired Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months, Fair Value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or more, Fair Value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">811,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total, Fair Value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">811,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1', window );">Less than 12 months, Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1', window );">12 months or more, Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(287,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1', window );">Total, Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(287,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesAmortizedCostAbstract', window );"><strong>Securities available for sale, maturities amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">811,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Equity Securities [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Securities available for sale</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis', window );">Amortized Cost-Equity</a></td>
        <td class="nump">1,578,000<span></span></td>
        <td class="nump">1,535,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Unrealized Gains</a></td>
        <td class="nump">43,000<span></span></td>
        <td class="nump">37,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Unrealized Losses</a></td>
        <td class="num">(44,000)<span></span></td>
        <td class="num">(139,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">1,577,000<span></span></td>
        <td class="nump">1,433,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TemporarilyImpairedSecuritiesAbstract', window );"><strong>Temporarily Impaired Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue', window );">Less than 12 months, Fair Value</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">154,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue', window );">12 months or more, Fair Value</a></td>
        <td class="nump">222,000<span></span></td>
        <td class="nump">34,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue', window );">Total, Fair Value</a></td>
        <td class="nump">222,000<span></span></td>
        <td class="nump">188,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1', window );">Less than 12 months, Unrealized Losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(120,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1', window );">12 months or more, Unrealized Losses</a></td>
        <td class="num">(44,000)<span></span></td>
        <td class="num">(19,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1', window );">Total, Unrealized Losses</a></td>
        <td class="num">(44,000)<span></span></td>
        <td class="num">(139,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesAmortizedCostAbstract', window );"><strong>Securities available for sale, maturities amortized cost [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis', window );">Amortized cost, equity maturities</a></td>
        <td class="nump">1,578,000<span></span></td>
        <td class="nump">1,535,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Fair Value Estimated</a></td>
        <td class="nump">$ 1,577,000<span></span></td>
        <td class="nump">$ 1,433,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LengthOfTimeSecuritiesTemporarilyImpaired">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Length of time securities are temporarily impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LengthOfTimeSecuritiesTemporarilyImpaired</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfSecuritiesTemporarilyImpaired">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of securities with unrealized losses, classified as temporarily impaired, held in a Company's portfolio as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfSecuritiesTemporarilyImpaired</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of securities temporarily impaired as of the balance sheet date for a period of 12 months or more.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfSecuritiesTemporarilyImpairedTwelveMonths</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfStatesInNewEnglandWhereFhlbServe">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of States in New England where Federal Home Loan Bank do housing and financing services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfStatesInNewEnglandWhereFhlbServe</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RestrictedEquitySecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RestrictedEquitySecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RestrictedEquitySecuritiesAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of equity securities in Federal Home loan Banks and Federal Reserve Bank reported at cost and categorized as non-marketable with no determinable fair value because it ownership is restricted and it lacks a market.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RestrictedEquitySecuritiesAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RestrictedEquitySecuritiesUnrealizedGains">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the excess of carrying value (amortized cost) over fair value of a security categorized as non marketable securities, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RestrictedEquitySecuritiesUnrealizedGains</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RestrictedEquitySecuritiesUnrealizedLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the excess of carrying value (amortized cost) over fair value of a security categorized as non marketable securities, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RestrictedEquitySecuritiesUnrealizedLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RestrictedEquiySecuritiesFairValueEstimated">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of non marketable securities as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RestrictedEquiySecuritiesFairValueEstimated</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesAmortizedCostAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_SecuritiesAvailableForSaleDebtAndEquityMaturitiesAmortizedCostAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TemporarilyImpairedSecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TemporarilyImpairedSecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated appreciation or loss, net of tax, in value of the total of available-for-sale securities at the end of an accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of debt securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleDebtSecuritiesAmortizedCostBasis</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments for other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleEquitySecuritiesAmortizedCostBasis</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt and equity securities which are categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15E<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15C<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for twelve months or longer for those securities which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLosses1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities that have been in a loss position for less than twelve months for those securities which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLosses1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after five years and through ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after one year and through five years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after ten years from the balance sheet date which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesEquitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents equity securities categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 3<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 86-40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesEquitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGains">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross profit realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossRealizedGains</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedGainsLossesSaleProceeds">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of proceeds received for the sale of securities, categorized neither as held-to-maturity nor trading securities, during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossRealizedGainsLossesSaleProceeds</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross loss realized on the sale of debt or equity securities categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossRealizedLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross unrealized gains for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13, 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the gross unrealized losses for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value of available-for-sale securities that serve as collateral for borrowings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5086-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank (FHLB) stock represents an equity interest in a FHLB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 12<br><br> -Paragraph 26<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 325<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6478792&amp;loc=d3e63345-112809<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt securities which are categorized as held-to-maturity. The held-to-maturity category is for those securities that the entity has the positive intent and ability to hold until maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Section A<br><br> -Paragraph 4<br><br> -Chapter 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 3<br><br> -Section A<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 7<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after five years and through ten years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after one year and through five years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after ten years from the balance sheet date which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after ten years from the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature within one year of the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt securities as of the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesUnclassifiedAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the excess of fair value over carrying value (amortized cost) of a debt security categorized as held-to-maturity, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding gain.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldtomaturitySecuritiesUnrecognizedHoldingGain</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the excess of carrying value (amortized cost) over fair value of a debt security categorized as held-to-maturity, exclusive of dividend or interest income recognized but not yet received and exclusive of any write-downs for other-than-temporary impairment. Such item represents the gross unrecognized holding loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecuritiesUnrecognizedHoldingLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross appreciation or the gross loss in value of the total unsold securities. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (e)-(g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 19, 22, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect of the gross appreciation or the gross loss, net of reclassification adjustment, in the value of the total unsold available-for-sale securities at the end of an accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reclassification adjustment for unrealized gains or losses realized upon the sale of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e689-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 18, 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect on the reclassification adjustment for gains or losses realized upon the sale of securities during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross appreciation or the gross loss in value of the total of unsold available-for-sale securities during the period being reported (except when designated as a fair value hedge).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Borrowed Funds (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BorrowedFundsAbstract', window );"><strong>Borrowed Funds [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ScheduleOfBorrowedFundsOfMaturitiesAndRangeOfInterestRatesTableTextBlock', window );">Range of Interest Rates and Maturity Dates of Borrowed Funds</a></td>
        <td class="text"><div><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Borrowed funds at December 31, 2012 and 2011 have the following range of interest rates and maturity dates:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31, 2012</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Federal Home Loan Bank Advances</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; 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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 22. Reclassifications</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certain items from prior years were reclassified in the financial statements to conform with the current year presentation. These do not have a material impact on the balance sheet or statement of income presentations.</div></div><span></span></td>
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                <p>The entire disclosure for any adjustments made during the period to avoid double counting in comprehensive income items displayed as part of net income that also had been displayed as part of other comprehensive income in that period or earlier periods. These adjustments include reclassifications to net income of items in accumulated comprehensive income, such as deferred gains or losses on qualifying hedges when hedged item reported in net income, holding gains or losses on available-for-sale securities transferred into trading category, unrealized holding gains or losses on debt securities transferred from held-to-maturity category into available-for-sale category and accumulated translation adjustment attributable to foreign subsidiary or investment in foreign entity upon sale or liquidation.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e689-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e716-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 18, 19, 20, 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Condensed Financial Information of Parent<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information of Parent Company Only Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">Condensed Financial Information of Parent</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 23. Condensed Financial Information of Parent</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Condensed financial information for The First Bancorp, Inc. exclusive of its subsidiary is as follows:</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Balance Sheets</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; 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font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">2,685,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">894,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;Total liabilities</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">1,945,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,914,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; 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vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Preferred stock</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">12,402,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">12,303,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">313,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Cash and cash equivalents at end of year</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">2,685,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">894,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">642,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EFQAI">
      <tr>
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          <div style="width: 200px;"><strong>Consolidated Statements of Cash Flows (Audited) (USD $)<br></strong></div>
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        <th class="th" colspan="3">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash flows from operating activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 12,688,000<span></span></td>
        <td class="nump">$ 12,364,000<span></span></td>
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        <td class="nump">1,314,000<span></span></td>
        <td class="nump">1,355,000<span></span></td>
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        <td class="num">(108,000)<span></span></td>
        <td class="nump">730,000<span></span></td>
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        <td class="nump">10,550,000<span></span></td>
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        <td class="num">(40,606,000)<span></span></td>
        <td class="num">(34,304,000)<span></span></td>
        <td class="num">(65,726,000)<span></span></td>
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        <td class="nump">39,571,000<span></span></td>
        <td class="nump">37,110,000<span></span></td>
        <td class="nump">65,796,000<span></span></td>
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        <td class="num">(1,968,000)<span></span></td>
        <td class="num">(3,293,000)<span></span></td>
        <td class="num">(2,000)<span></span></td>
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        <td class="num">(7,000)<span></span></td>
        <td class="num">(7,000)<span></span></td>
        <td class="nump">122,000<span></span></td>
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        <td class="nump">397,000<span></span></td>
        <td class="nump">1,284,000<span></span></td>
        <td class="nump">352,000<span></span></td>
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        <td class="nump">85,000<span></span></td>
        <td class="nump">22,000<span></span></td>
        <td class="nump">37,000<span></span></td>
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        <td class="nump">756,000<span></span></td>
        <td class="nump">1,288,000<span></span></td>
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        <td class="nump">1,631,000<span></span></td>
        <td class="num">(1,596,000)<span></span></td>
        <td class="nump">1,139,000<span></span></td>
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        <td class="nump">5,000<span></span></td>
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      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Net amortization of investment premiums</a></td>
        <td class="nump">2,676,000<span></span></td>
        <td class="nump">3,583,000<span></span></td>
        <td class="nump">899,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherDepreciationAndAmortization', window );">Amortization of investments in limited partnerships</a></td>
        <td class="nump">476,000<span></span></td>
        <td class="nump">390,000<span></span></td>
        <td class="nump">300,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfAcquisitionCosts', window );">Net acquisition amortization</a></td>
        <td class="nump">283,000<span></span></td>
        <td class="nump">244,000<span></span></td>
        <td class="nump">251,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
        <td class="nump">25,023,000<span></span></td>
        <td class="nump">29,725,000<span></span></td>
        <td class="nump">25,650,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_Interest-InterestBearingDepositsInOtherBanks', window );">Net increase (decrease) in interest-bearing deposits in other banks</a></td>
        <td class="num">(1,638,000)<span></span></td>
        <td class="nump">100,000<span></span></td>
        <td class="num">(100,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Proceeds from maturities, payments, calls of securities available for sale</a></td>
        <td class="nump">61,776,000<span></span></td>
        <td class="nump">42,756,000<span></span></td>
        <td class="nump">101,223,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of securities available for sale</a></td>
        <td class="nump">26,437,000<span></span></td>
        <td class="nump">140,417,000<span></span></td>
        <td class="nump">202,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities', window );">Proceeds from maturities, payments, calls of securities held to maturity</a></td>
        <td class="nump">53,958,000<span></span></td>
        <td class="nump">28,644,000<span></span></td>
        <td class="nump">84,287,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfForeclosedAssets', window );">Proceeds from sales of other real estate owned</a></td>
        <td class="nump">3,345,000<span></span></td>
        <td class="nump">5,124,000<span></span></td>
        <td class="nump">3,722,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchases of securities available for sale</a></td>
        <td class="num">(93,378,000)<span></span></td>
        <td class="num">(161,386,000)<span></span></td>
        <td class="num">(316,453,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities', window );">Purchases of securities to be held to maturity</a></td>
        <td class="num">(74,743,000)<span></span></td>
        <td class="num">(44,424,000)<span></span></td>
        <td class="num">(1,363,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RedemptionOfRestrictedEquitySecurities', window );">Redemption of restricted equity securities</a></td>
        <td class="nump">995,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Net (increase) decrease in loans</a></td>
        <td class="num">(19,635,000)<span></span></td>
        <td class="nump">6,176,000<span></span></td>
        <td class="nump">52,395,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Capital expenditures</a></td>
        <td class="num">(1,726,000)<span></span></td>
        <td class="num">(1,222,000)<span></span></td>
        <td class="num">(2,043,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ProceedsFromSaleOfEquipment', window );">Proceeds from sale of premises and equipment</a></td>
        <td class="nump">42,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions', window );">Cash acquired, net of cash paid, in branch acquisitions</a></td>
        <td class="nump">25,297,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="num">(19,270,000)<span></span></td>
        <td class="nump">16,185,000<span></span></td>
        <td class="num">(78,130,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase (decrease) in transaction and savings accounts</a></td>
        <td class="nump">37,552,000<span></span></td>
        <td class="nump">25,828,000<span></span></td>
        <td class="num">(241,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInTimeDeposits', window );">Net increase (decrease) in certificates of deposit</a></td>
        <td class="num">(51,893,000)<span></span></td>
        <td class="num">(58,981,000)<span></span></td>
        <td class="nump">52,124,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfLongTermDebtAndCapitalSecuritiesNet', window );">Advances on long-term borrowings</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">30,000,000<span></span></td>
        <td class="nump">30,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfLongTermDebt', window );">Repayments on long-term borrowings</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(30,000,000)<span></span></td>
        <td class="num">(50,000,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt', window );">Net increase in short-term borrowings</a></td>
        <td class="nump">17,242,000<span></span></td>
        <td class="nump">8,340,000<span></span></td>
        <td class="nump">27,552,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock', window );">Repurchase of preferred stock</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(12,500,000)<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Proceeds from sale of common stock</a></td>
        <td class="nump">499,000<span></span></td>
        <td class="nump">431,000<span></span></td>
        <td class="nump">416,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
        <td class="num">(8,310,000)<span></span></td>
        <td class="num">(8,751,000)<span></span></td>
        <td class="num">(8,865,000)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="num">(4,910,000)<span></span></td>
        <td class="num">(45,633,000)<span></span></td>
        <td class="nump">50,986,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash and cash equivalents</a></td>
        <td class="nump">843,000<span></span></td>
        <td class="nump">277,000<span></span></td>
        <td class="num">(1,494,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="nump">13,838,000<span></span></td>
        <td class="nump">15,332,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
        <td class="nump">14,958,000<span></span></td>
        <td class="nump">14,115,000<span></span></td>
        <td class="nump">13,838,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaid', window );">Interest paid</a></td>
        <td class="nump">13,052,000<span></span></td>
        <td class="nump">14,901,000<span></span></td>
        <td class="nump">16,824,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income taxes paid</a></td>
        <td class="nump">2,547,000<span></span></td>
        <td class="nump">3,037,000<span></span></td>
        <td class="nump">3,317,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoncashInvestingAndFinancingItemsAbstract', window );"><strong>Non-cash transactions</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfOtherRealEstate', window );">Net transfer from loans to other real estate owned</a></td>
        <td class="nump">7,234,000<span></span></td>
        <td class="nump">5,566,000<span></span></td>
        <td class="nump">3,780,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueOfAssetsAcquired', window );">Fair value of assets acquired</a></td>
        <td class="num">(6,577,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAssumed1', window );">Less liabilities assumed</a></td>
        <td class="nump">$ 31,874,000<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash acquired, net of cash paid, in branch acquisitions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CashAcquiredNetOfCashPaidInBranchAcquisitions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_Interest-InterestBearingDepositsInOtherBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_Interest-InterestBearingDepositsInOtherBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ProceedsFromSaleOfEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from the sale of equipment</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ProceedsFromSaleOfEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RedemptionOfRestrictedEquitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Redemption of stock held at Federal Home Loan Bank of Federal Reserve Bank. Federal Home Loan Bank (FHLB) stock and Federal Reserve Bank Stock represents an equity interest in a FHLB of FRB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RedemptionOfRestrictedEquitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfAcquisitionCosts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expense recognized in the current period that reflects the allocation of capitalized costs associated with acquisition of business. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 12, 13, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16225-109274<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmortizationOfAcquisitionCosts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in cash and cash equivalents. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The component of income tax expense for the period representing the increase (decrease) in the entity's deferred tax assets and liabilities pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 289<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Depreciation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOfAssetsAcquired">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value of assets acquired in noncash investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueOfAssetsAcquired</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnDispositionOfAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gains (losses) included in earnings resulting from the sale or disposal of tangible assets. This item does not include any gain (loss) recognized on the sale of oil and gas property or timber property.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2941-110230<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnDispositionOfAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subparagraph g<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Subparagraph d<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainsLossesOnSalesOfOtherRealEstate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxesPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInOtherOperatingLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInTimeDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net cash inflow (outflow) of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInTimeDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for interest during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAssumed1">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value of liabilities assumed in noncash investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAssumed1</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from financing activity for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>duration</td>
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            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoncashInvestingAndFinancingItemsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoncashInvestingAndFinancingItemsAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherDepreciationAndAmortization">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The other noncash expense, not otherwise specified in the taxonomy, charged against earnings in the period to allocate the cost of tangible and intangible assets over their remaining economic lives.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherDepreciationAndAmortization</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for the origination of mortgages that are held for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (g)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForOriginationOfMortgageLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire preferred stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the entity's earnings to the shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividends</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from purchases of available-for-sale securities and held-to-maturity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireHeldToMaturitySecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the additional capital contribution to the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromIssuanceOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfLongTermDebtAndCapitalSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with security instrument that either represents a creditor or an ownership relationship with the holder of the investment security with a maturity of beyond one year or normal operating cycle, if longer. Includes proceeds from (a) debt, (b) capital lease obligations, (c) mandatory redeemable capital securities, and (d) any combination of (a), (b), or (c).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromIssuanceOfLongTermDebtAndCapitalSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection III<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the maturity, prepayments and calls (requests for early payments) of debt securities designated as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfShortTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromRepaymentsOfShortTermDebt</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfForeclosedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the sale assets received in full or partial satisfaction of a receivable including real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts. Foreclosed assets also include loans that are treated as if the underlying collateral had been foreclosed because the institution has taken possession of the collateral, even though legal foreclosure or repossession proceedings have not taken place.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfForeclosedAssets</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow resulting from the sale of loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3461-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3337-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 102<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 3, 15, 16, 17, 22, 23, 147, 148, 149<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 55<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6587932&amp;loc=d3e60097-112785<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanAndLeaseLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForOtherLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The provision charged to earnings in the period, the offset to which is either added to or deducted from the allowance account, for the purpose of reducing receivables, other than loans, leases, or credit losses, to an amount that approximates their net realizable value (the amount expected to be collected); includes provision for losses associated with foreclosed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForOtherLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfLongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for debt initially having maturity due after one year or beyond the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Value of real estate transferred in noncash transactions during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>New Accounting Pronouncements<br></strong></div>
        </th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract', window );"><strong>New Accounting Pronouncements [Abstract]</strong></a></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"><u>Note 24. New Accounting Pronouncements</u></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In May 2011, the FASB issued Accounting Standards Update ("ASU") No. 2011-04, Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRS. This ASU clarifies how to measure fair value, but does not require additional fair value measurement and is not intended to affect current valuation practices outside of financial reporting. However, additional information and disclosure will be required for transfers between Level 1 and Level 2, the sensitivity of a fair value measurement categorized as Level 3, and the categorization of items that are not measured at fair value by level of the fair value hierarchy. The guidance is effective during interim and annual reporting periods beginning after December 15, 2011. The adoption of this guidance did not have a material impact on the Company's consolidated financial statements.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In June 2011, the FASB issued ASU No. 2011-05, Comprehensive Income (Topic 220): Presentation of Comprehensive Income. This ASU requires that all nonowner changes in shareholders' equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. In the two-statement approach, the first statement should present total net income and its components followed consecutively by a second statement that should present total other comprehensive income, the components of other comprehensive income, and the total of comprehensive income. This guidance is effective for fiscal years, and interim periods within those years, beginning after December 15, 2011. Other than the manner of presentation, the adoption of this new guidance did not have a material effect on the Company's consolidated financial statements.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In August 2011, the FASB issued ASU No. 2011-08, Intangibles &#8211; Goodwill and Other (Topic 350): Testing Goodwill for Impairment. This ASU permits an entity to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test described in Topic 350. Under the amendments in this ASU, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that the fair value of the reporting unit is less than its carrying amount. The guidance is effective for fiscal years ending after December 15, 2011, with early adoption permitted. The adoption of this new guidance did not have a material effect on the Company's consolidated financial statements.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In February 2013, the FASB issued ASU No. 2013-02, Reporting of Amounts Reclassified out of Accumulated Comprehensive Income. The ASU adds new disclosure requirements for items reclassified out of accumulated other comprehensive income (AOCI) and is intended to help entities improve the transparency of changes in other comprehensive income and items reclassified out of AOCI in their financial statements. The guidance is effective prospectively for reporting periods beginning after December 15, 2012, with early adoption permitted. The Company believes the adoption of this new guidance will not have a material effect on the Company's consolidated financial statements.</div></div><span></span></td>
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                <p>Tabular disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
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          <div style="width: 200px;"><strong>Other Real Estate Owned (Tables)<br></strong></div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following summarizes other real estate owned:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of &#160;December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Real estate acquired in settlement of loans</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">7,593,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">4,094,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Changes in the allowance for losses from other real estate owned were as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For the years ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2010</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">132,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">583,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Losses charged to allowance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(460,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(980,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(803,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Provision charged to operating expenses</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">397,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,284,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">352,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Balance at end of year</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">373,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">436,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">132,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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                <p>Tabular disclosure of the change in the allowance for real estate owned and acquired in settlement of troubled loans through surrender or foreclosure during the period.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Quarterly Information (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following tables provide unaudited financial information by quarter for each of the past two years:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 20%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Dollars in thousands except per share data</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011Q1</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011Q2</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; 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font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 7%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">443</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; 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                <p>Tabular disclosure of the quarterly financial data in the annual financial statements. The disclosure includes financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income (loss) before extraordinary items and cumulative effect of a change in accounting principle and earnings per share data.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EINBG">
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          <div style="width: 200px;"><strong>Regulatory Capital Requirements (Details) (USD $)<br></strong></div>
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          <div>Dec. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalAbstract', window );"><strong>Tier 1 capital to risk-weighted assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Actual</a></td>
        <td class="nump">$ 117,603,000<span></span></td>
        <td class="nump">$ 115,865,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeverageRatiosAbstract', window );"><strong>Average assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends', window );">Retained earnings from prior two years available for dividends</a></td>
        <td class="nump">6,781,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non Consolidated [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Tier 2 capital to risk-weighted asets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Actual</a></td>
        <td class="nump">124,366,000<span></span></td>
        <td class="nump">123,599,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">For capital adequacy purpose</a></td>
        <td class="nump">63,531,000<span></span></td>
        <td class="nump">64,320,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">To be well-capitalized under prompt corrective action provisions</a></td>
        <td class="nump">79,414,000<span></span></td>
        <td class="nump">80,400,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskBasedRatiosAbstract', window );"><strong>Risk-weighted assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Actual (in hundredths)</a></td>
        <td class="nump">15.66%<span></span></td>
        <td class="nump">15.37%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">For capital adequacy purpose (in hundredths)</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">To be well-capitalized under prompt corrective action provisions (in hundredths)</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="nump">10.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Actual (in hundredths)</a></td>
        <td class="nump">14.41%<span></span></td>
        <td class="nump">14.11%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">For capital adequacy purpose (in hundredths)</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">To be well-capitalized under prompt corrective action provisions (in hundredths)</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="nump">6.00%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalAbstract', window );"><strong>Tier 1 capital to risk-weighted assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Actual</a></td>
        <td class="nump">114,419,000<span></span></td>
        <td class="nump">113,521,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purpose</a></td>
        <td class="nump">31,765,000<span></span></td>
        <td class="nump">32,160,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">To be well-capitalized under prompt corrective action provisions</a></td>
        <td class="nump">47,648,000<span></span></td>
        <td class="nump">48,240,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Tier 1 capital to average assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Actual</a></td>
        <td class="nump">114,419,000<span></span></td>
        <td class="nump">113,521,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purpose</a></td>
        <td class="nump">55,636,000<span></span></td>
        <td class="nump">54,600,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">To be well-capitalized under prompt corrective action provisions</a></td>
        <td class="nump">69,545,000<span></span></td>
        <td class="nump">68,250,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeverageRatiosAbstract', window );"><strong>Average assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Actual (in hundredths)</a></td>
        <td class="nump">8.23%<span></span></td>
        <td class="nump">8.33%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">For capital adequacy purpose (in hundredths)</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">To be well-capitalized under prompt corrective action provisions (in hundredths)</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="nump">5.00%<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consolidated [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalAbstract', window );"><strong>Tier 2 capital to risk-weighted asets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Actual</a></td>
        <td class="nump">127,557,000<span></span></td>
        <td class="nump">125,943,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">For capital adequacy purpose</a></td>
        <td class="nump">63,579,000<span></span></td>
        <td class="nump">64,320,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RiskBasedRatiosAbstract', window );"><strong>Risk-weighted assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Actual (in hundredths)</a></td>
        <td class="nump">16.05%<span></span></td>
        <td class="nump">15.66%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">For capital adequacy purpose (in hundredths)</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="nump">8.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Actual (in hundredths)</a></td>
        <td class="nump">14.80%<span></span></td>
        <td class="nump">14.40%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">For capital adequacy purpose (in hundredths)</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalAbstract', window );"><strong>Tier 1 capital to risk-weighted assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purpose</a></td>
        <td class="nump">31,790,000<span></span></td>
        <td class="nump">32,160,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalAbstract', window );"><strong>Tier 1 capital to average assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Actual</a></td>
        <td class="nump">117,603,000<span></span></td>
        <td class="nump">115,865,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">For capital adequacy purpose</a></td>
        <td class="nump">$ 55,628,000<span></span></td>
        <td class="nump">$ 55,720,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LeverageRatiosAbstract', window );"><strong>Average assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Actual (in hundredths)</a></td>
        <td class="nump">8.46%<span></span></td>
        <td class="nump">8.32%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">For capital adequacy purpose (in hundredths)</a></td>
        <td class="nump">4.00%<span></span></td>
        <td class="nump">4.00%<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of retained earnings as of the balance sheet date from the prior two years that can be distributed in the form of dividends.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RetainedEarningsFromPriorTwoYearsAvailableForDividends</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Capital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of total capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(1)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 54<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Capital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
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                    <td><strong> Period Type:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredForCapitalAdequacy</nobr></td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredToBeWellCapitalized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CapitalToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total Capital divided by risk weighted assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LeverageRatiosAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RiskBasedRatiosAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RiskBasedRatiosAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Risk Based Capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td>credit</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 capital divided by risk weighted assets as defined by regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1CBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Balance Sheets (Audited) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and cash equivalents</a></td>
        <td class="nump">$ 14,958,000<span></span></td>
        <td class="nump">$ 14,115,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalFundsSold', window );">Interest bearing deposits in other banks</a></td>
        <td class="nump">1,638,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="nump">286,202,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_HeldToMaturitySecurities', window );">Securities to be held to maturity</a></td>
        <td class="nump">143,320,000<span></span></td>
        <td class="nump">122,661,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RestrictedEquitySecuritiesAtCost', window );">Restricted equity securities, at cost</a></td>
        <td class="nump">14,448,000<span></span></td>
        <td class="nump">15,443,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableHeldForSaleNet', window );">Loans held for sale</a></td>
        <td class="nump">1,035,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans</a></td>
        <td class="nump">869,284,000<span></span></td>
        <td class="nump">864,988,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Less allowance for loan losses</a></td>
        <td class="nump">12,500,000<span></span></td>
        <td class="nump">13,000,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Net loans</a></td>
        <td class="nump">856,784,000<span></span></td>
        <td class="nump">851,988,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestReceivable', window );">Accrued interest receivable</a></td>
        <td class="nump">4,912,000<span></span></td>
        <td class="nump">4,835,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
        <td class="nump">22,988,000<span></span></td>
        <td class="nump">18,842,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherRealEstateAndForeclosedAssets', window );">Other real estate owned</a></td>
        <td class="nump">7,593,000<span></span></td>
        <td class="nump">4,094,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">29,805,000<span></span></td>
        <td class="nump">27,684,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">25,904,000<span></span></td>
        <td class="nump">27,003,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">1,414,999,000<span></span></td>
        <td class="nump">1,372,867,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DemandDepositAccounts', window );">Demand deposits</a></td>
        <td class="nump">90,252,000<span></span></td>
        <td class="nump">75,750,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW', window );">NOW deposits</a></td>
        <td class="nump">147,309,000<span></span></td>
        <td class="nump">122,775,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsMoneyMarketDeposits', window );">Money market deposits</a></td>
        <td class="nump">80,983,000<span></span></td>
        <td class="nump">79,015,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsSavingsDeposits', window );">Savings deposits</a></td>
        <td class="nump">135,250,000<span></span></td>
        <td class="nump">114,617,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Certificates of deposit</a></td>
        <td class="nump">505,056,000<span></span></td>
        <td class="nump">549,176,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">958,850,000<span></span></td>
        <td class="nump">941,333,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShortTermBorrowings', window );">Borrowed funds - short term</a></td>
        <td class="nump">142,750,000<span></span></td>
        <td class="nump">135,500,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Borrowed funds - long term</a></td>
        <td class="nump">140,155,000<span></span></td>
        <td class="nump">130,163,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">16,921,000<span></span></td>
        <td class="nump">15,013,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">1,258,676,000<span></span></td>
        <td class="nump">1,222,009,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, $1,000 preference value per share</a></td>
        <td class="nump">12,402,000<span></span></td>
        <td class="nump">12,303,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, one cent par value per share</a></td>
        <td class="nump">98,000<span></span></td>
        <td class="nump">98,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
        <td class="nump">46,314,000<span></span></td>
        <td class="nump">45,829,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">89,692,000<span></span></td>
        <td class="nump">85,314,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax', window );">Net unrealized gain on securities available-for-sale</a></td>
        <td class="nump">7,940,000<span></span></td>
        <td class="nump">7,401,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Net unrecognized loss on postretirement benefit costs</a></td>
        <td class="num">(123,000)<span></span></td>
        <td class="num">(87,000)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
        <td class="nump">156,323,000<span></span></td>
        <td class="nump">150,858,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
        <td class="nump">$ 1,414,999,000<span></span></td>
        <td class="nump">$ 1,372,867,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Common Stock</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Number of shares authorized</a></td>
        <td class="nump">18,000,000<span></span></td>
        <td class="nump">18,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Number of shares issued and outstanding</a></td>
        <td class="nump">9,859,914<span></span></td>
        <td class="nump">9,812,180<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BookValuePerCommonShare', window );">Book value per common share</a></td>
        <td class="nump">$ 14.60<span></span></td>
        <td class="nump">$ 14.12<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TangibleBookValuePerCommonShare', window );">Tangible book value per common share</a></td>
        <td class="nump">$ 11.47<span></span></td>
        <td class="nump">$ 11.20<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BookValuePerCommonShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Book value of common stock per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BookValuePerCommonShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RestrictedEquitySecuritiesAtCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of stock held at Federal Home Loan Bank and Federal Reserve Bank. Federal Home Loan Bank (FHLB) stock and Federal Reserve Bank Stock represents an equity interest in a FHLB of FRB. It does not have a readily determinable fair value because its ownership is restricted and it lacks a market (liquidity).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RestrictedEquitySecuritiesAtCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TangibleBookValuePerCommonShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible book value of common stock per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TangibleBookValuePerCommonShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated appreciation or loss, net of tax, in value of the total of available-for-sale securities at the end of an accounting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossAvailableForSaleSecuritiesAdjustmentNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 132R<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph i<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 158<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 715<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (i)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br> -Section S99<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Publisher FASB<br><br><br><br> -Paragraph 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br><br><br> -Number 6<br><br><br><br> -Paragraph 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt and equity securities which are categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 12<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15E<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 133<br><br><br><br> -Paragraph 22<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 13<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15C<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 14<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 16<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 6<br><br><br><br> -Paragraph 1, 2, 3, 7, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of shares of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares represent the ownership interest of the common shareholders. Shares outstanding equals shares issued minus shares held in treasury and other adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DemandDepositAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of money in accounts that may bear interest and that the depositor is entitled to withdraw at any time without prior notice.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DemandDepositAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 13<br><br><br><br> -Paragraph 37, 38, 39<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsMoneyMarketDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph a(i)<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsMoneyMarketDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsNegotiableOrderOfWithdrawalNOW">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deposits in interest-bearing transaction accounts at banks or savings and loans, that are restricted in regard to ownership and can usually only be held by individuals, nonprofit entities and governments. Negotiable order of withdrawal accounts differ from money market demand accounts as they typically have higher reserve requirements and no limit on the number of checks that can be written.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph a(i)<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsNegotiableOrderOfWithdrawalNOW</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsSavingsDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 13<br><br><br><br> -Paragraph 6<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsSavingsDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalFundsSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalFundsSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -Clause 1<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 43<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 68<br><br><br><br> -Subparagraph l<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 34<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 72<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_HeldToMaturitySecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt securities which are categorized as held-to-maturity. The held-to-maturity category is for those securities that the entity has the positive intent and ability to hold until maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 17<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 43<br><br><br><br> -Section A<br><br><br><br> -Paragraph 4<br><br><br><br> -Chapter 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 19<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 43<br><br><br><br> -Chapter 3<br><br><br><br> -Section A<br><br><br><br> -Paragraph 5<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 11<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 7<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_HeldToMaturitySecurities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of interest earned but not received. Also called accrued interest or accrued interest receivable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestReceivable</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph a(ii)<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section L<br><br><br><br> -Subsection 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 114<br><br><br><br> -Paragraph 20<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph d<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 5<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)(1)(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, after deducting deferred income, but before deducting the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 8<br><br><br><br> -Paragraph 116<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph e<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansReceivableHeldForSaleNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount of loans receivable that will be sold to other entities. Includes mortgage and all other loans (collectively, loans) not classified as held for investment. Such loans are stated at the lower of cost or market, or elected fair value. Mortgage loans exclude mortgage-backed securities which are considered a debt security (other loan).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 65<br><br><br><br> -Paragraph 4, 5, 6, 7, 9, 12, 28, 29<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 49<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6949992&amp;loc=d3e3084-111518<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph a<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 948<br><br><br><br> -SubTopic 310<br><br><br><br> -Section 30<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490209&amp;loc=d3e48214-111002<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Subsection I<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph h<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 65<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansReceivableHeldForSaleNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including current and noncurrent portions, aggregate carrying amount of long-term borrowings as of the balance sheet date. May include notes payable, bonds payable, commercial loans, mortgage loans, convertible debt, subordinated debt and other types of debt, which had initial maturities beyond one year or beyond the normal operating cycle, if longer, and after deducting unamortized discount or premiums, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.16)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20, 22<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherRealEstateAndForeclosedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of other real estate and foreclosed assets. Other real estate may include real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. Foreclosed assets include all assets obtained in full or partial satisfaction of a debt arrangement through foreclosure proceedings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 11<br><br><br><br> -Paragraph 2, 3, 4<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10(4))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherRealEstateAndForeclosedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible assets that are held by an entity for use in the production or supply of goods and services, for rental to others, or for administrative purposes and that are expected to provide economic benefit for more than one year; net of accumulated depreciation. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph b, c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the total carrying amount as of the balance sheet date of debt having initial terms less than one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 19<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.(a),16(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br> -Subparagraph 2, 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph a(1)<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShortTermBorrowings</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A3<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityAbstract</nobr></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of time deposits, including certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
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          <div style="width: 200px;"><strong>Employee Benefit Plans (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefitsAbstract', window );"><strong>Employee Benefit Plans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AccumulatedPostRetirementBenefitObligationAndFundedStatusTableTextBlock', window );">Accumulated post-retirement benefit obligation, funded status, net periodic benefit cost and assumptions used</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;The following table sets forth the accumulated postretirement benefit obligation and funded status:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2010</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Change in benefit obligations</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Benefit obligation at beginning of year:</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">1,848,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,796,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,962,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">16,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">15,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">107,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">112,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">117,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Benefits paid</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(103,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(134,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(136,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Actuarial (gain) loss</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">86,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">62,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(162,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Benefit obligation at end of year:</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">1,954,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,848,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,796,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Funded status</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Benefit obligation at end of year</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(1,954,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(1,848,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(1,796,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unamortized prior service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">186,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">100,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">49,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unrecognized transition obligation</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">5,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">34,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">63,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accrued benefit cost</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(1,763,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(1,714,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(1,684,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Weighted average discount rate as of December 31</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">4.5</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6.5</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6.5</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNetBenefitCostsTableTextBlock', window );">Schedule of net benefit costs</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table sets forth the net periodic pension cost:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For the years ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2010</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Components of net periodic benefit cost</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Service cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">16,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">15,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">107,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">112,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">117,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Amortization of unrecognized transition obligation</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">29,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">29,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">29,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Amortization of prior service credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Amortization of accumulated losses</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">11,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">22,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net periodic benefit cost</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">152,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">164,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">183,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Weighted average discount rate for net periodic cost</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">4.5</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6.5</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6.5</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">%</div></td></tr></table><div><br /></div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfNetPeriodicBenefitCostNotYetRecognizedTableTextBlock', window );">Schedule of net periodic benefit cost not yet recognized</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In accordance with FASB ASC Topic 715, "Compensation &#8211; Retirement Benefits", amounts not yet reflected in net periodic benefit cost and included in accumulated other comprehensive income (loss) are as follows:</div><div><br /></div><div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Portion to Be Recognized in</div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Income in 2013</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unamortized net actuarial loss</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(186,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(100,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; 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font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">5,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(191,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(134,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">19,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Deferred tax benefit (expense) at 35%</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">68,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">47,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(7,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net unrecognized post-retirement benefits included in accumulated other comprehensive income (loss)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(123,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(87,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div></div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDefinedBenefitPlanAmountsRecognizedInOtherComprehensiveIncomeLossTableTextBlock', window );">Unrealized gain or loss on postretirement benefit</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table summarizes activity in the unrealized gain or loss on postretirement benefits included in other comprehensive income for the years ended December 31, 2012 and 2011:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;For the years ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unrecognized postretirement benefits &#160;at beginning of period</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(87,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(73,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Change in unrecognized postretirement benefits</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(57,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(22,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Related deferred taxes</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">21,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">8,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unrecognized postretirement benefits at end of period</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(123,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(87,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of change in accumulated post-retirement benefit obligation and funded status for the entity's postretirement benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the changes in plan assets and benefit obligations recognized in other comprehensive income (loss) during the period.</p>
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                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the components of net benefit costs for pension plans and/or other employee benefit plans including service cost, interest cost, expected return on plan assets, gain (loss), prior service cost or credit, transition asset or obligation, and gain (loss) recognized due to settlements or curtailments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Publisher FASB<br><br> -Number <br><br> -Article <br><br> -Subparagraph (h)<br><br> -Name Accounting Standards Codification<br><br> -Paragraph 1<br><br> -Section 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfNetBenefitCostsTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfNetPeriodicBenefitCostNotYetRecognizedTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the amounts related to pension plans and/or other employee benefit plans in accumulated other comprehensive income or loss that have not yet been recognized as components of net periodic benefit cost, such as the net gain (loss), net prior service cost or credit, and net transition asset or obligation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Publisher FASB<br><br> -Number <br><br> -Article <br><br> -Subparagraph (j)<br><br> -Name Accounting Standards Codification<br><br> -Paragraph 1<br><br> -Section 50<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfNetPeriodicBenefitCostNotYetRecognizedTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>56
<FILENAME>R6.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EE2CI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Statements of Changes in Shareholders' Equity (Audited) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Preferred stock [Member]</div>
        </th>
        <th class="th">
          <div>Common stock and additional paid-in capital [Member]</div>
        </th>
        <th class="th">
          <div>Retained earnings [Member]</div>
        </th>
        <th class="th">
          <div>Accumulated other comprehensive income (loss) [Member]</div>
        </th>
        <th class="th">
          <div>Total</div>
        </th>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2009</a></td>
        <td class="nump">$ 24,606,000<span></span></td>
        <td class="nump">$ 45,218,000<span></span></td>
        <td class="nump">$ 78,450,000<span></span></td>
        <td class="num">$ (336,000)<span></span></td>
        <td class="nump">$ 147,938,000<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Balance (in shares) at Dec. 31, 2009</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,744,170<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,116,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,116,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain on securities available for sale, net of taxes</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(1,932,000)<span></span></td>
        <td class="num">(1,932,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Unrecognized transition obligation for postretirement benefits, net of taxes</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">138,000<span></span></td>
        <td class="nump">138,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,116,000<span></span></td>
        <td class="num">(1,794,000)<span></span></td>
        <td class="nump">10,322,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCash', window );">Cash dividends declared</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(8,865,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(8,865,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Equity compensation expense</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">37,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">37,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock', window );">Amortization of premium for preferred stock issuance</a></td>
        <td class="nump">99,000<span></span></td>
        <td class="num">(99,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock', window );">Repurchase of preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Proceeds from sale of common stock</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">416,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">416,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Proceeds from sale of common stock (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">28,855<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2010</a></td>
        <td class="nump">24,705,000<span></span></td>
        <td class="nump">45,572,000<span></span></td>
        <td class="nump">81,701,000<span></span></td>
        <td class="num">(2,130,000)<span></span></td>
        <td class="nump">149,848,000<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Balance (in shares) at Dec. 31, 2010</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,773,025<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,364,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain on securities available for sale, net of taxes</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">9,458,000<span></span></td>
        <td class="nump">9,458,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Unrecognized transition obligation for postretirement benefits, net of taxes</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(14,000)<span></span></td>
        <td class="num">(14,000)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">9,444,000<span></span></td>
        <td class="nump">21,808,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCash', window );">Cash dividends declared</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(8,751,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(8,751,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Equity compensation expense</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">22,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">22,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock', window );">Amortization of premium for preferred stock issuance</a></td>
        <td class="nump">98,000<span></span></td>
        <td class="num">(98,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock', window );">Repurchase of preferred stock</a></td>
        <td class="num">(12,500,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(12,500,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Proceeds from sale of common stock</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">431,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">431,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Proceeds from sale of common stock (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">39,155<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2011</a></td>
        <td class="nump">12,303,000<span></span></td>
        <td class="nump">45,927,000<span></span></td>
        <td class="nump">85,314,000<span></span></td>
        <td class="nump">7,314,000<span></span></td>
        <td class="nump">150,858,000<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Balance (in shares) at Dec. 31, 2011</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,812,180<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,812,180<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,688,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain on securities available for sale, net of taxes</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">539,000<span></span></td>
        <td class="nump">539,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Unrecognized transition obligation for postretirement benefits, net of taxes</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(36,000)<span></span></td>
        <td class="num">(36,000)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">503,000<span></span></td>
        <td class="nump">13,191,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCash', window );">Cash dividends declared</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(8,310,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(8,310,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Equity compensation expense</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">85,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">85,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock', window );">Amortization of premium for preferred stock issuance</a></td>
        <td class="nump">99,000<span></span></td>
        <td class="num">(99,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock', window );">Repurchase of preferred stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfCommonStock', window );">Proceeds from sale of common stock</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">499,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">499,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Proceeds from sale of common stock (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">47,734<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2012</a></td>
        <td class="nump">$ 12,402,000<span></span></td>
        <td class="nump">$ 46,412,000<span></span></td>
        <td class="nump">$ 89,692,000<span></span></td>
        <td class="nump">$ 7,817,000<span></span></td>
        <td class="nump">$ 156,323,000<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesOutstanding', window );">Balance (in shares) at Dec. 31, 2012</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,859,914<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,859,914<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>In the absence of retained earnings, the adjustment to additional paid in capital for the increase in carrying amount of redeemable preferred stock that is classified as temporary equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 480<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 3.C)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802392&amp;loc=d3e177168-122764<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 3<br><br> -Section C<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalIncreaseInCarryingAmountOfRedeemablePreferredStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the amount of recognized equity-based compensation during the period, that is, the amount recognized as expense in the income statement (or as asset if compensation is capitalized). Alternate captions include the words "stock-based compensation".</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415241&amp;loc=d3e4534-113899<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11149-113907<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A91<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11178-113907<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 39<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of shares of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares represent the ownership interest of the common shareholders. Shares outstanding equals shares issued minus shares held in treasury and other adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e540-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A5<br><br> -Appendix A<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 8, 9, 10, 11, 12, 13, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508144<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e557-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of cash dividends declared by an entity during the period for all classes of stock (common, preferred, etc.). This element includes paid and unpaid dividends declared during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph l<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) in accumulated comprehensive income during the period related to pension and other postretirement benefit plans, after tax. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 22, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire preferred stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfPreferredStockAndPreferenceStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromIssuanceOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the additional capital contribution to the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromIssuanceOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A3<br><br> -Appendix A<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of new stock issued during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesNewIssues</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>57
<FILENAME>R59.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBBZO">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Allowance for Loan Losses (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">$ 3,539,000<span></span></td>
        <td class="nump">$ 2,058,000<span></span></td>
        <td class="nump">$ 1,256,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">8,961,000<span></span></td>
        <td class="nump">10,942,000<span></span></td>
        <td class="nump">12,060,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">12,500,000<span></span></td>
        <td class="nump">13,000,000<span></span></td>
        <td class="nump">13,316,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">369,639,000<span></span></td>
        <td class="nump">391,201,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialLoansTypicalLoanToValueRangeLow', window );">Residential loans typical loan-to-value range, low (in hundredths)</a></td>
        <td class="nump">75.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ResidentialLoansTypicalLoanToValueRangeHigh', window );">Residential loans typical loan-to-value maximum (in hundredths)</a></td>
        <td class="nump">80.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow', window );">Collateralized consumer loans to individuals loan-to-value maximum range, low (in hundredths)</a></td>
        <td class="nump">80.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh', window );">Collateralized consumer loans to individuals loan-to-value maximum range, high (in hundredths)</a></td>
        <td class="nump">90.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus', window );">Delinquent period before residential loans placed on non-accrual status (in days)</a></td>
        <td class="text">90D<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff', window );">Delinquent period before consumer loans charged off (in days)</a></td>
        <td class="text">120D<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">13,000,000<span></span></td>
        <td class="nump">13,316,000<span></span></td>
        <td class="nump">13,637,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">9,080,000<span></span></td>
        <td class="nump">11,179,000<span></span></td>
        <td class="nump">9,017,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">745,000<span></span></td>
        <td class="nump">313,000<span></span></td>
        <td class="nump">296,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">7,835,000<span></span></td>
        <td class="nump">10,550,000<span></span></td>
        <td class="nump">8,400,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">12,500,000<span></span></td>
        <td class="nump">13,000,000<span></span></td>
        <td class="nump">13,316,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">3,539,000<span></span></td>
        <td class="nump">2,058,000<span></span></td>
        <td class="nump">1,256,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">8,961,000<span></span></td>
        <td class="nump">10,942,000<span></span></td>
        <td class="nump">12,060,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">869,284,000<span></span></td>
        <td class="nump">864,988,000<span></span></td>
        <td class="nump">887,596,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">45,744,000<span></span></td>
        <td class="nump">42,120,000<span></span></td>
        <td class="nump">25,283,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">823,540,000<span></span></td>
        <td class="nump">822,868,000<span></span></td>
        <td class="nump">862,313,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">101<span></span></td>
        <td class="nump">59<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">12<span></span></td>
        <td class="nump">14<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">29,955,000<span></span></td>
        <td class="nump">22,858,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">2,413,000<span></span></td>
        <td class="nump">2,841,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">2,590,000<span></span></td>
        <td class="nump">733,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">67,000<span></span></td>
        <td class="nump">99,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">52<span></span></td>
        <td class="nump">31<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">14,657,000<span></span></td>
        <td class="nump">18,325,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">15,030,000<span></span></td>
        <td class="nump">18,325,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">1,769,000<span></span></td>
        <td class="nump">628,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDue', window );">Number of loans classified as TDRs, greater than 30 days past due</a></td>
        <td class="nump">30<span></span></td>
        <td class="nump">30<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDue', window );">Balance of loans classified as TDRs, greater than 30 days past due</a></td>
        <td class="nump">2,413,000<span></span></td>
        <td class="nump">2,841,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months', window );">Number of loans classified as troubled debt restructurings that had been placed on TDR status in previous 12 months</a></td>
        <td class="nump">6<span></span></td>
        <td class="nump">6<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months', window );">Loans classified as troubled debt restructurings that had been placed on TDR status in previous 12 months</a></td>
        <td class="nump">1,059,000<span></span></td>
        <td class="nump">1,588,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy', window );">Number of loans classified as troubled debt restructurings that are involved in bankruptcy</a></td>
        <td class="nump">11<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy', window );">Loans classified as troubled debt restructurings that are involved in bankruptcy</a></td>
        <td class="nump">1,158,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus', window );">Number of loans classified as troubled debt restructurings that were on non-accrual status</a></td>
        <td class="nump">24<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus', window );">Loans classified as troubled debt restructurings and that were on non-accrual status</a></td>
        <td class="nump">3,363,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure', window );">Number Of Loans Classified As Troubled Debt Restructurings That Are Involved In Foreclosure</a></td>
        <td class="nump">5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure', window );">Loans Classified As Troubled Debt Restructurings That Are Involved In Foreclosure</a></td>
        <td class="nump">521,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract', window );"><strong>Financing Receivable, Allowance for Credit Loss, Additional Information [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialRealEstateLoansMaximumLoanToValue', window );">Commercial real estate loans maximum loan-to-value (in hundredths)</a></td>
        <td class="nump">75.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital', window );">Construction loans actual loan portfolio-to-Company capital (in hundredths)</a></td>
        <td class="nump">23.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital', window );">Construction loans maximum loan portfolio-to-Company capital (in hundredths)</a></td>
        <td class="nump">100.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital', window );">Construction and non-owner-occupied commercial real estate loan portfolio-to-Company Capital (in hundredths)</a></td>
        <td class="nump">81.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial', window );">Construction and non-owner-occupied commercial real estate loan portfolio loan-to-Company capital (in hundredths)</a></td>
        <td class="nump">300.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Strong 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">2,021,000<span></span></td>
        <td class="nump">2,646,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Above Average 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">26,290,000<span></span></td>
        <td class="nump">33,072,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Satisfactory 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">54,831,000<span></span></td>
        <td class="nump">49,326,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Average 4 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">143,077,000<span></span></td>
        <td class="nump">157,589,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Watch 5 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">64,614,000<span></span></td>
        <td class="nump">65,395,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">OAEM 6 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">31,681,000<span></span></td>
        <td class="nump">25,932,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Substandard 7 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">46,668,000<span></span></td>
        <td class="nump">55,260,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Doubtful 8 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">457,000<span></span></td>
        <td class="nump">1,981,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">3,539,000<span></span></td>
        <td class="nump">2,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">3,539,000<span></span></td>
        <td class="nump">2,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">4,304,000<span></span></td>
        <td class="nump">4,501,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">4,304,000<span></span></td>
        <td class="nump">4,501,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">3,815,000<span></span></td>
        <td class="nump">4,433,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">3,815,000<span></span></td>
        <td class="nump">4,433,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="nump">192,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">4,342,000<span></span></td>
        <td class="nump">4,851,000<span></span></td>
        <td class="nump">5,068,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">5,865,000<span></span></td>
        <td class="nump">5,659,000<span></span></td>
        <td class="nump">5,260,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">251,335,000<span></span></td>
        <td class="nump">255,424,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">5,659,000<span></span></td>
        <td class="nump">5,260,000<span></span></td>
        <td class="nump">4,986,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">1,394,000<span></span></td>
        <td class="nump">1,619,000<span></span></td>
        <td class="nump">4,005,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">13,000<span></span></td>
        <td class="nump">23,000<span></span></td>
        <td class="nump">4,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">1,587,000<span></span></td>
        <td class="nump">1,995,000<span></span></td>
        <td class="nump">4,275,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">5,865,000<span></span></td>
        <td class="nump">5,659,000<span></span></td>
        <td class="nump">5,260,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="nump">192,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">4,342,000<span></span></td>
        <td class="nump">4,851,000<span></span></td>
        <td class="nump">5,068,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">251,335,000<span></span></td>
        <td class="nump">255,424,000<span></span></td>
        <td class="nump">245,540,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">15,774,000<span></span></td>
        <td class="nump">10,141,000<span></span></td>
        <td class="nump">5,946,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">235,561,000<span></span></td>
        <td class="nump">245,283,000<span></span></td>
        <td class="nump">239,594,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">18<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">3<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">11,961,000<span></span></td>
        <td class="nump">3,078,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">760,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">823,000<span></span></td>
        <td class="nump">273,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">13<span></span></td>
        <td class="nump">4<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">6,821,000<span></span></td>
        <td class="nump">3,078,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">7,149,000<span></span></td>
        <td class="nump">3,078,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">180,000<span></span></td>
        <td class="nump">273,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Strong 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">19,000<span></span></td>
        <td class="nump">23,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Above Average 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">13,871,000<span></span></td>
        <td class="nump">21,334,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Satisfactory 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">34,454,000<span></span></td>
        <td class="nump">33,119,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Average 4 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">99,712,000<span></span></td>
        <td class="nump">106,171,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Watch 5 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">43,369,000<span></span></td>
        <td class="nump">44,215,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | OAEM 6 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">26,302,000<span></span></td>
        <td class="nump">18,309,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Substandard 7 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">33,153,000<span></span></td>
        <td class="nump">31,575,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Doubtful 8 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">455,000<span></span></td>
        <td class="nump">678,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">2,369,000<span></span></td>
        <td class="nump">2,578,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">2,369,000<span></span></td>
        <td class="nump">2,578,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,973,000<span></span></td>
        <td class="nump">2,273,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">1,973,000<span></span></td>
        <td class="nump">2,273,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="nump">152,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">390,000<span></span></td>
        <td class="nump">625,000<span></span></td>
        <td class="nump">860,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,359,000<span></span></td>
        <td class="nump">658,000<span></span></td>
        <td class="nump">1,012,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">22,417,000<span></span></td>
        <td class="nump">32,574,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">658,000<span></span></td>
        <td class="nump">1,012,000<span></span></td>
        <td class="nump">807,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">928,000<span></span></td>
        <td class="nump">346,000<span></span></td>
        <td class="nump">175,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">246,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">1,383,000<span></span></td>
        <td class="num">(8,000)<span></span></td>
        <td class="nump">380,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">1,359,000<span></span></td>
        <td class="nump">658,000<span></span></td>
        <td class="nump">1,012,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="nump">152,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">390,000<span></span></td>
        <td class="nump">625,000<span></span></td>
        <td class="nump">860,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">22,417,000<span></span></td>
        <td class="nump">32,574,000<span></span></td>
        <td class="nump">41,869,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">3,354,000<span></span></td>
        <td class="nump">5,702,000<span></span></td>
        <td class="nump">937,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">19,063,000<span></span></td>
        <td class="nump">26,872,000<span></span></td>
        <td class="nump">40,932,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">3<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">3,319,000<span></span></td>
        <td class="nump">4,506,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,154,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">3<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">3,319,000<span></span></td>
        <td class="nump">4,506,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">3,333,000<span></span></td>
        <td class="nump">4,506,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Strong 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Above Average 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">1,274,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Satisfactory 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">2,312,000<span></span></td>
        <td class="nump">1,365,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Average 4 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">12,322,000<span></span></td>
        <td class="nump">17,125,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Watch 5 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">1,721,000<span></span></td>
        <td class="nump">3,287,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | OAEM 6 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">79,000<span></span></td>
        <td class="nump">2,320,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Substandard 7 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">4,709,000<span></span></td>
        <td class="nump">7,323,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Doubtful 8 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,154,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">213,000<span></span></td>
        <td class="nump">332,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">213,000<span></span></td>
        <td class="nump">332,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">177,000<span></span></td>
        <td class="nump">293,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">177,000<span></span></td>
        <td class="nump">293,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="nump">291,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">1,398,000<span></span></td>
        <td class="nump">1,661,000<span></span></td>
        <td class="nump">2,086,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">2,050,000<span></span></td>
        <td class="nump">2,063,000<span></span></td>
        <td class="nump">2,377,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">81,183,000<span></span></td>
        <td class="nump">86,982,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">2,063,000<span></span></td>
        <td class="nump">2,377,000<span></span></td>
        <td class="nump">3,363,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">3,215,000<span></span></td>
        <td class="nump">6,492,000<span></span></td>
        <td class="nump">1,125,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">113,000<span></span></td>
        <td class="nump">60,000<span></span></td>
        <td class="nump">69,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">3,089,000<span></span></td>
        <td class="nump">6,118,000<span></span></td>
        <td class="nump">70,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">2,050,000<span></span></td>
        <td class="nump">2,063,000<span></span></td>
        <td class="nump">2,377,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="nump">291,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">1,398,000<span></span></td>
        <td class="nump">1,661,000<span></span></td>
        <td class="nump">2,086,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">81,183,000<span></span></td>
        <td class="nump">86,982,000<span></span></td>
        <td class="nump">101,462,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">5,861,000<span></span></td>
        <td class="nump">7,042,000<span></span></td>
        <td class="nump">1,753,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">75,322,000<span></span></td>
        <td class="nump">79,940,000<span></span></td>
        <td class="nump">99,709,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">23<span></span></td>
        <td class="nump">9<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">3<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">3,074,000<span></span></td>
        <td class="nump">5,350,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">96,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">574,000<span></span></td>
        <td class="nump">97,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">47,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">19<span></span></td>
        <td class="nump">9<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">1,887,000<span></span></td>
        <td class="nump">5,350,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">1,903,000<span></span></td>
        <td class="nump">5,350,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">543,000<span></span></td>
        <td class="nump">97,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Strong 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">271,000<span></span></td>
        <td class="nump">465,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Above Average 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">4,084,000<span></span></td>
        <td class="nump">4,229,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Satisfactory 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">14,578,000<span></span></td>
        <td class="nump">10,981,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Average 4 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">28,618,000<span></span></td>
        <td class="nump">31,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Watch 5 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">19,524,000<span></span></td>
        <td class="nump">17,893,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | OAEM 6 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">5,300,000<span></span></td>
        <td class="nump">5,303,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Substandard 7 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">8,806,000<span></span></td>
        <td class="nump">16,362,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Doubtful 8 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">2,000<span></span></td>
        <td class="nump">149,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">763,000<span></span></td>
        <td class="nump">883,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">763,000<span></span></td>
        <td class="nump">883,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">635,000<span></span></td>
        <td class="nump">778,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">635,000<span></span></td>
        <td class="nump">778,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">18,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="nump">19,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">18,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="nump">19,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">14,704,000<span></span></td>
        <td class="nump">16,221,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">19,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="nump">23,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="num">(1,000)<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(4,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">18,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="nump">19,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">18,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="nump">19,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">14,704,000<span></span></td>
        <td class="nump">16,221,000<span></span></td>
        <td class="nump">21,833,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">14,704,000<span></span></td>
        <td class="nump">16,221,000<span></span></td>
        <td class="nump">21,833,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Strong 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">1,731,000<span></span></td>
        <td class="nump">2,158,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Above Average 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">7,061,000<span></span></td>
        <td class="nump">7,509,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Satisfactory 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">3,487,000<span></span></td>
        <td class="nump">3,861,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Average 4 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">2,425,000<span></span></td>
        <td class="nump">2,693,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Watch 5 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | OAEM 6 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Substandard 7 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Doubtful 8 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable', window );">Commercial and municipal risk-rated loans receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">18,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">18,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="nump">432,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">714,000<span></span></td>
        <td class="nump">681,000<span></span></td>
        <td class="nump">976,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,109,000<span></span></td>
        <td class="nump">1,159,000<span></span></td>
        <td class="nump">1,408,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">1,159,000<span></span></td>
        <td class="nump">1,408,000<span></span></td>
        <td class="nump">1,198,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">1,911,000<span></span></td>
        <td class="nump">1,421,000<span></span></td>
        <td class="nump">392,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">110,000<span></span></td>
        <td class="nump">7,000<span></span></td>
        <td class="nump">4,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">1,751,000<span></span></td>
        <td class="nump">1,165,000<span></span></td>
        <td class="nump">598,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">1,109,000<span></span></td>
        <td class="nump">1,159,000<span></span></td>
        <td class="nump">1,408,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="nump">432,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">714,000<span></span></td>
        <td class="nump">681,000<span></span></td>
        <td class="nump">976,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">379,447,000<span></span></td>
        <td class="nump">341,286,000<span></span></td>
        <td class="nump">337,927,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">19,444,000<span></span></td>
        <td class="nump">16,821,000<span></span></td>
        <td class="nump">12,455,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">360,003,000<span></span></td>
        <td class="nump">324,465,000<span></span></td>
        <td class="nump">325,472,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">53<span></span></td>
        <td class="nump">43<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">8<span></span></td>
        <td class="nump">10<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">10,945,000<span></span></td>
        <td class="nump">9,924,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">1,624,000<span></span></td>
        <td class="nump">1,591,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">224,000<span></span></td>
        <td class="nump">363,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">67,000<span></span></td>
        <td class="nump">52,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">13<span></span></td>
        <td class="nump">15<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">1,974,000<span></span></td>
        <td class="nump">5,391,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">1,989,000<span></span></td>
        <td class="nump">5,391,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">77,000<span></span></td>
        <td class="nump">258,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">278,000<span></span></td>
        <td class="nump">222,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">278,000<span></span></td>
        <td class="nump">222,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">436,000<span></span></td>
        <td class="nump">459,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">436,000<span></span></td>
        <td class="nump">459,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">20,000<span></span></td>
        <td class="nump">44,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">255,000<span></span></td>
        <td class="nump">44,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">255,000<span></span></td>
        <td class="nump">44,000<span></span></td>
        <td class="nump">174,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">389,000<span></span></td>
        <td class="nump">505,000<span></span></td>
        <td class="nump">2,361,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">54,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">91,000<span></span></td>
        <td class="nump">716,000<span></span></td>
        <td class="nump">2,231,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">255,000<span></span></td>
        <td class="nump">44,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">20,000<span></span></td>
        <td class="nump">44,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">6,459,000<span></span></td>
        <td class="nump">10,469,000<span></span></td>
        <td class="nump">15,512,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,198,000<span></span></td>
        <td class="nump">3,567,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">6,459,000<span></span></td>
        <td class="nump">9,271,000<span></span></td>
        <td class="nump">11,945,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">6,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">6,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">7,000<span></span></td>
        <td class="nump">14,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">7,000<span></span></td>
        <td class="nump">14,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">67,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">592,000<span></span></td>
        <td class="nump">573,000<span></span></td>
        <td class="nump">579,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">592,000<span></span></td>
        <td class="nump">584,000<span></span></td>
        <td class="nump">646,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">584,000<span></span></td>
        <td class="nump">646,000<span></span></td>
        <td class="nump">717,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">555,000<span></span></td>
        <td class="nump">381,000<span></span></td>
        <td class="nump">951,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">208,000<span></span></td>
        <td class="nump">222,000<span></span></td>
        <td class="nump">219,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">355,000<span></span></td>
        <td class="nump">97,000<span></span></td>
        <td class="nump">661,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">592,000<span></span></td>
        <td class="nump">584,000<span></span></td>
        <td class="nump">646,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="nump">67,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">592,000<span></span></td>
        <td class="nump">573,000<span></span></td>
        <td class="nump">579,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">14,657,000<span></span></td>
        <td class="nump">16,788,000<span></span></td>
        <td class="nump">18,156,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">53,000<span></span></td>
        <td class="nump">106,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">14,657,000<span></span></td>
        <td class="nump">16,735,000<span></span></td>
        <td class="nump">18,050,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">362,000<span></span></td>
        <td class="nump">331,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">362,000<span></span></td>
        <td class="nump">331,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">230,000<span></span></td>
        <td class="nump">242,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">230,000<span></span></td>
        <td class="nump">242,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Unallocated Financing Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="nump">1,880,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="nump">1,880,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="nump">1,880,000<span></span></td>
        <td class="nump">1,854,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="num">(1,166,000)<span></span></td>
        <td class="nump">128,000<span></span></td>
        <td class="nump">26,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="nump">1,880,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="nump">1,880,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Unallocated Financing Receivables [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Unallocated Financing Receivables [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Unallocated Financing Receivables [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Unallocated Financing Receivables [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">842,000<span></span></td>
        <td class="nump">2,008,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home Equity Line Of Credit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="nump">122,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Allowance for loans evaluated collectively for impairment</a></td>
        <td class="nump">654,000<span></span></td>
        <td class="nump">504,000<span></span></td>
        <td class="nump">548,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">654,000<span></span></td>
        <td class="nump">595,000<span></span></td>
        <td class="nump">670,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Beginning balance</a></td>
        <td class="nump">595,000<span></span></td>
        <td class="nump">670,000<span></span></td>
        <td class="nump">515,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge offs</a></td>
        <td class="nump">688,000<span></span></td>
        <td class="nump">415,000<span></span></td>
        <td class="nump">8,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">1,000<span></span></td>
        <td class="nump">1,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross', window );">Provision</a></td>
        <td class="nump">746,000<span></span></td>
        <td class="nump">339,000<span></span></td>
        <td class="nump">163,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">654,000<span></span></td>
        <td class="nump">595,000<span></span></td>
        <td class="nump">670,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment', window );">Allowance for loans evaluated individually for impairment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="nump">122,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">654,000<span></span></td>
        <td class="nump">504,000<span></span></td>
        <td class="nump">548,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedLoanBalancesAbstract', window );"><strong>Related loan balances</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">99,082,000<span></span></td>
        <td class="nump">105,244,000<span></span></td>
        <td class="nump">105,297,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment', window );">Ending balance specifically evaluated for impairment</a></td>
        <td class="nump">1,311,000<span></span></td>
        <td class="nump">1,163,000<span></span></td>
        <td class="nump">519,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment', window );">Ending balance collectively evaluated for impairment</a></td>
        <td class="nump">97,771,000<span></span></td>
        <td class="nump">104,081,000<span></span></td>
        <td class="nump">104,778,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsNumberOfContracts', window );">Total number of TDR loans</a></td>
        <td class="nump">4<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months', window );">Number of TDR loans past due</a></td>
        <td class="nump">1<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Balance of total TDR loans</a></td>
        <td class="nump">656,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months', window );">Balance of TDR loans past due</a></td>
        <td class="nump">29,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod', window );">Specific reserves for total TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months', window );">Specific reserves for past due TDR loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod', window );">Number of TDR loans - current period</a></td>
        <td class="nump">4<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod', window );">Pre-modification outstanding recorded investment</a></td>
        <td class="nump">656,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod', window );">Post-modification outstanding recorded investment</a></td>
        <td class="nump">656,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod', window );">Specific reserves for TDR loans - current period</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home Equity Line Of Credit [Member] | Specific Reserves Evaluated Individually for Impairment [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home Equity Line Of Credit [Member] | General Reserves Based on Historical Loss Experience [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">315,000<span></span></td>
        <td class="nump">149,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">315,000<span></span></td>
        <td class="nump">149,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home Equity Line Of Credit [Member] | Reserve for Qualitative Factors [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">339,000<span></span></td>
        <td class="nump">355,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">339,000<span></span></td>
        <td class="nump">355,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home Equity Line Of Credit [Member] | Unallocated Reserves [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems', window );"><strong>Financing Receivable, Allowance for Credit Losses [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRollForward', window );"><strong>Allowance for loan losses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Ending balance</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The high maximum percentage of loan to value for consumer loans based on purchase price of the collateral.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeHigh</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The low maximum percentage of loan to value for consumer loans based on purchase price of the collateral.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CollateralizedConsumerLoansToIndividualsLoanToValueMaximumRangeLow</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CommercialAndMunicipalRiskRatedLoansReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loans subject to review and validation annually by independent consulting firm as well internal credit review function.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CommercialAndMunicipalRiskRatedLoansReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CommercialRealEstateLoansMaximumLoanToValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum percentage of loan to value for commercial real estate loans based on current appraisal information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CommercialRealEstateLoansMaximumLoanToValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The regulatory maximum allowed ratio of loan portfolio to Company capital for construction and non-owner-occupied commercial real estate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansMaximumLoanPortfolioToCompanyCaptial</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The actual ratio of loan amount to Company capital for construction and non-owner-occupied commercial real estate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ConstructionAndNonOwnerOccupiedCommercialRealEstateLoansPortfolioToCompanyCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The regulatory maximum allowed ratio of loan portfolio to Company capital for construction loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ConstructionLoanPortfolioMaximumToCompanyCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The ratio of loan portfolio to Company capital for construction loans .</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ConstructionLoansActualLoanPortfolioToCompanyCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DaysPastDuePlacedInTDRInPrevious12Months">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Specific allowance for loan and lease losses on receivable financings greater 30 days past due that are classified as troubled debt restructurings during the period and that had been placed in TDR status in the previous 12 months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DaysPastDuePlacedInTDRInPrevious12Months</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of days past due at which loans are considered charged off.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DelinquentPeriodBeforeConsumerLoansChargedOff</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of days past due at which residential loans are placed on non-accrual status..</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DelinquentPeriodBeforeResidentialLoansPlacedOnNonAccrualStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>us-types:durationStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of loans classified as troubled debt restructurings that are involved in bankruptcy as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of loans classified as troubled debt restructurings that had been placed on TDR status in the previous 12 montsh.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount of loans classified as troubled debt restructurings that were on non-accrual status as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of financing receivables that have been modified by troubled debt restructurings during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableModificationsNumberOfContractsDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of financing receivables greater than 30 days past due that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of financing receivables greater than 30 days past due that have been modified by troubled debt restructurings and that have been placed in the TDR status in the previous 12 months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableModificationsNumberOfContractsGreaterThan30DaysPastDuePlaceInTDRInPrevious12Months</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings after the financing receivable has been modified during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableModificationsPostModificationRecordedInvestmentDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings before the financing receivable has been modified during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableModificationsPreModificationRecordedInvestmentDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of loans classified as troubled debt restructurings that are involved in bankruptcy as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInBankruptcy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of loans classified as troubled debt restructurings that had been placed on TDR status in the previous 12 months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatHadBeenPlacedOnTdrStatusInPrevious12Months</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of loans classified as troubled debt restructurings that were on non-accrual status as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableNumberOfLoansClassifiedAsTroubledDebtRestructuringsThatWereOnNonAccrualStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are greater than 30 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are greater than 30 days past due and that had been placed in TDR status in the previous 12 months.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FinancingReceivableRecordedInvestmentGreaterThan30DaysPastDuePlacedInTDRInPrevious12Months</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loans classified as troubled debt restructurings that are involved in foreclosure as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of loans classified as troubled debt restructurings that are involved in foreclosure as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfLoansClassifiedAsTroubledDebtRestructuringsThatAreInvolvedInForeclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RelatedLoanBalancesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RelatedLoanBalancesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ResidentialLoansTypicalLoanToValueRangeHigh">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The high percentage of loan to value range for residential loans based on current appraisal information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ResidentialLoansTypicalLoanToValueRangeHigh</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ResidentialLoansTypicalLoanToValueRangeLow">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The low percentage of loan to value range for residential loans based on current appraisal information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ResidentialLoansTypicalLoanToValueRangeLow</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Specific allowance for loan and lease losses on receivable financings that are classified as troubled debt restructurings during the current period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceCurrentPeriod</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Specific allowance for loan and lease losses on receivable financings that are classified as troubled debt restructurings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TroubledDebtRestructuringLoansAndLeasesReceivableSpecificAllowanceDuringPeriod</nobr></td>
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                    <td>fnlc_</td>
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                    <td>instant</td>
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              </div>
            </div>
          </td>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the gross amount charged against earnings during the period as credit losses (bad debt expense) based on review of the loan and lease portfolio and application of the methodology for estimating credit losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossGross</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects a reduction in bad debt expense attributable to collections of loans and lease receivables which had previously been fully or partially charged off as bad debts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesRollForward</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the amount of loans and leases that have been removed, or charged off, from both loan receivables and the reserve for credit losses, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs</nobr></td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossAdditionalInformationAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:stringItemType</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953423-111524<br><br> -Subparagraph (g)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953423-111524<br><br> -Subparagraph (g)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were collectively evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953423-111524<br><br> -Subparagraph (h)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The balance of financing receivables that were individually evaluated for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953423-111524<br><br> -Subparagraph (h)<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953670-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953676-111524<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953670-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953676-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6951948&amp;loc=d3e18845-111554<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph a(ii)<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section L<br><br> -Subsection 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)(1)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br></p>
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                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, after deducting deferred income, but before deducting the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 8<br><br> -Paragraph 116<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph e<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
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          <div style="width: 200px;"><strong>Investment Securities (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following tables summarize the amortized cost and estimated fair value of investment securities at December 31, 2012 and 2011:</div><div><br /></div><div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Amortized</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-top: #000000 1.5pt solid;"><div style="text-align: center; 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font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;<font style="font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31, 2012</font></div></td><td valign="bottom" style="padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Cost</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Gains</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px;">&#160;</td><td valign="bottom" style="padding-bottom: 2px;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid;"><div style="text-align: center; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Mortgage-backed securities</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Contractual Maturities of Investment Securities</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table summarizes the contractual maturities of investment securities at December 31, 2012:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Securities available for sale</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfRealizedGainLossTableTextBlock', window );">Schedule of Securities Gains and Losses</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table shows securities gains and losses for 2012, 2011 and 2010:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">140,417,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">202,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; 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vertical-align: middle; border-top: #000000 0.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle; border-top: #000000 0.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2010</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle; border-top: #000000 0.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Balance at beginning of year</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">7,401,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(2,057,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; 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font-size: 10pt;">17,844,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(2,971,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Realized gains during the period</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(2,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Related deferred taxes</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">9,458,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(1,932,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Balance at end of year</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">7,940,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; 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color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(2,057,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfTemporaryImpairmentLossesInvestmentsTableTextBlock', window );">Schedule of Temporary Impairment Losses</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;Information regarding securities temporarily impaired as of December 31, 2012 is summarized below:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="6" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Less than 12 months</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; 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font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(162,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">9,292,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(634,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">23,919,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(796,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table></div><span></span></td>
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                <p>Tabular presentation of available for sale securities, held-to-maturity securities and restricted equity securities as of the balance sheet date.</p>
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                <p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p>
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                <p>Tabular disclosure of the proceeds from sales of available-for-sale securities and the gross realized gains and gross realized losses that have been included in earnings as a result of those sales.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKKAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Borrowed Funds (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">12 Months Ended</th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
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          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <th class="th">
          <div>Sep. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2012</div>
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        <th class="th">
          <div>Mar. 31, 2012</div>
        </th>
        <th class="th">
          <div>Sep. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jun. 30, 2011</div>
        </th>
        <th class="th">
          <div>Mar. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_BorrowedFundsAbstract', window );"><strong>Borrowed Funds [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable', window );">Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Maximum Amount Available</a></td>
        <td class="nump">$ 248,933,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds', window );">Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Amount of Available, Unused Funds</a></td>
        <td class="nump">67,532,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfRepurchaseAgreementsAbstract', window );"><strong>Disclosure of Repurchase Agreements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase', window );">Repurchase Agreements for municipal and commercial customers</a></td>
        <td class="nump">101,504,000<span></span></td>
        <td class="nump">90,515,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">282,905,000<span></span></td>
        <td class="nump">265,663,000<span></span></td>
        <td class="nump">304,749,000<span></span></td>
        <td class="nump">248,926,000<span></span></td>
        <td class="nump">240,151,000<span></span></td>
        <td class="nump">255,616,000<span></span></td>
        <td class="nump">249,336,000<span></span></td>
        <td class="nump">217,534,000<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange', window );">Municipal and commercial customers (in hundredths)</a></td>
        <td class="text">0.20%-1.89%<span></span></td>
        <td class="text">0.40%-2.09%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepurchaseAgreementsMaturities', window );">Range of Repurchase agreements' maturity dates</a></td>
        <td class="text">one to 365<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LineOfCreditWithCorrespondentBanks', window );">Amount of Line of credit with correspondent banks</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">48,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CreditFacilityWithFederalReserveBankOfBoston', window );">Credit facility with Federal Reserve Bank</a></td>
        <td class="nump">115,839,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryAbstract', window );"><strong>Federal Home Loan Bank, Advances, Maturities Summary [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate', window );">2013 Maturity</a></td>
        <td class="nump">41,245,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate', window );">2014 Maturity</a></td>
        <td class="nump">10,000,000<span></span></td>
        <td class="nump">10,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate', window );">2015 Maturity</a></td>
        <td class="nump">40,000,000<span></span></td>
        <td class="nump">40,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate', window );">2016 Maturity</a></td>
        <td class="nump">30,000,000<span></span></td>
        <td class="nump">30,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate', window );">2017 Maturity</a></td>
        <td class="nump">30,000,000<span></span></td>
        <td class="nump">50,163,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate', window );">2018 and thereafter</a></td>
        <td class="nump">30,156,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummary', window );">Total</a></td>
        <td class="nump">$ 181,401,000<span></span></td>
        <td class="nump">$ 175,148,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeInterestRateRangeAbstract', window );"><strong>Federal Home Loan Bank, Advances, Maturities Summary by Interest Rate Type, Interest Rate Range [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderOneYearInterestRateRange', window );">2013 (in hundredths)</a></td>
        <td class="text">0.16%-0.31%<span></span></td>
        <td class="text">-<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange', window );">2016 (in hundredths)</a></td>
        <td class="text">2.36%-2.44%<span></span></td>
        <td class="text">1.31%-1.39%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange', window );">2017 (in hundredths)</a></td>
        <td class="text">0.99%-3.69%<span></span></td>
        <td class="text">0.00%-3.69%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeAfterFiveYearsInterestRateRange', window );">2018 and thereafter (in hundredths)</a></td>
        <td class="text">0.00%-3.25%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_BorrowedFundsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_BorrowedFundsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CreditFacilityWithFederalReserveBankOfBoston">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum borrowing capacity under the credit facility with Federal Reserve Bank of Boston using commercial and home equity loans as collateral.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CreditFacilityWithFederalReserveBankOfBoston</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the range of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due five years from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFiveYearsInterestRateRange</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the range of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due four years from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeDueWithinFourYearsInterestRateRange</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LineOfCreditWithCorrespondentBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Borrowing capacity under the credit lines established with correspondent banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LineOfCreditWithCorrespondentBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the range of interest rates from lowest to highest that are applicable to securities sold under agreement to repurchase with municipal and commercial customers.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_SecuritiesSoldUnderAgreementsToRepurchaseInterestRateRange</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the aggregate dollar amount of all future maturities of advances from the Federal Home Loan Bank, treasury tax and loan notes and securities sold under repurchase agreements as of balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TotalFederalHomeLoanBankAdvancesTreasuryTaxNotesAndRepurchaseAgreements</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>States the total dollar amount of advances or credit lines available as of the Balance Sheet date from the Federal Home Loan Bank system.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Article 9<br><br> -Subparagraph 3(a)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>States the maximum total dollar amount of advances or credit lines available as of the Balance Sheet date from the Federal Home Loan Bank system.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(3)(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22 (b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Article 9<br><br> -Subparagraph 3(a)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the aggregate dollar amount of all future maturities of Federal Home Loan Bank advances from the Balance Sheet date. This amount would be expected to agree to the sum total of the related Balance Sheet and footnote disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 47<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeAfterFiveYearsInterestRateRange">
        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the range of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due after five years from the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the range of interest rates from lowest to highest that are applicable to Federal Home Loan Bank advances due within one year of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryByInterestRateTypeUnderOneYearInterestRateRange</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank advances outstanding which are due after five years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueAfterFiveYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank advances outstanding which are due from four to five years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromFourToFiveYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank advances outstanding which are due from one to two years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromOneToTwoYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank advances outstanding which are due from three to four years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromThreeToFourYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank advances outstanding which are due from two to three years of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueFromTwoToThreeYearsOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of Federal Home Loan Bank advances outstanding which are due within one year of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17, 37<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesMaturitiesSummaryDueWithinOneYearOfBalanceSheetDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepurchaseAgreementsMaturities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This describes the time frame of the terms of the entity's repurchase agreements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(m)(1)(i)(A))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RepurchaseAgreementsMaturities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SecuritiesSoldUnderAgreementsToRepurchase">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying value as of the balance sheet date of securities that an institution sells and agrees to repurchase (the identical or substantially the same securities) as a seller-borrower at a specified date for a specified price, also known as a repurchase agreement, or repo. Most repos involve obligations of the federal government or its agencies, but other financial instruments, such as commercial paper, banker's acceptances, and negotiable certificates of deposit, are sometimes used in repos.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6935251&amp;loc=d3e9760-107771<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 1<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(m)(1)(a)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 100<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 36<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Preferred and Common Stock<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNoteAbstract', window );"><strong>Preferred and Common Stock [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityNoteDisclosureTextBlock', window );">Preferred and Common Stock</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 14. Preferred and Common Stock</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Preferred Stock</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">On January 9, 2009, the Company issued $25 million in Fixed Rate Cumulative Perpetual Preferred Stock, Series A, having a liquidation preference of $1,000 per share, to the U.S. Treasury under the Capital Purchase Program ("the CPP Shares"). The CPP Shares call for cumulative dividends at a rate of 5.0% per year for the first five years, and at a rate of 9.0% per year in following years, payable quarterly in arrears on February 15, May 15, August&#160;15 and November 15 of each year.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">On August 24, 2011, the Company repurchased $12.5 million of the CPP Shares. The repurchase transaction was approved by the Federal Reserve Bank of Boston, the Company's primary regulator, as well as the Bank's primary regulator, the Office of the Comptroller of the Currency, based on continued strong capital ratios after the repayment. Almost all of the repayment was made from retained earnings accumulated since the preferred stock was issued in 2009. After the repurchase, $12.5 million of the CPP shares remains outstanding. The Company may redeem the remaining CPP Shares at any time using any funds available, subject to the prior approval of the Federal Reserve Bank of Boston. The CPP Shares are "perpetual" preferred stock, which means that neither Treasury nor any subsequent holder would have a right to require that the Company redeem any of the shares.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Incident to such issuance, the Company issued to the U.S. Treasury warrants (the "Warrants") to purchase up to 225,904 shares of the Company's common stock at a price per share of $16.60 (subject to adjustment). The CPP Shares and the related Warrants (and any shares of common stock issuable pursuant to the Warrants) are freely transferable by Treasury to third parties and the Company has filed a registration statement with the Securities and Exchange Commission to allow for possible resale of such securities. The CPP Shares qualify as Tier 1 capital on the Company's books for regulatory purposes and rank senior to the Company's common stock and senior or at an equal level in the Company's capital structure to any other shares of preferred stock the Company may issue in the future.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Warrants issued in conjunction with the sale of the CPP Shares have a term of ten years and could be exercised by Treasury or a subsequent holder at any time or from time to time during their term. To the extent they had not previously been exercised, the Warrants would expire after ten years. Treasury will not vote any shares of common stock it receives upon exercise of the Warrants, but that restriction would not apply to third parties to whom Treasury transferred the Warrants. The Warrants (and any common stock issued upon exercise of the Warrants) could be transferred to third parties separately from the CPP Shares. The proceeds from the sale of the CPP Shares were allocated between the CPP Shares and Warrants based on their relative fair values on the issue date. The fair value of the Warrants was determined using the Black-Scholes model which includes the following assumptions: common stock price of $16.60 per share, dividend yield of 4.70%, stock price volatility of 24.43%, and a risk-free interest rate of 2.01%. The discount on the CPP Shares was based on the value that was allocated to the Warrants upon issuance, and is being accreted back to the value of the CPP Shares over a five-year period (the expected life of the shares upon issuance) on a straight-line basis. The Warrants were unchanged as a result of the CPP Shares repurchase transaction and remain outstanding.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As a condition to Treasury's purchase of the CPP Shares, during the time that Treasury holds any equity or debt instrument the Company issued, the Company is required to comply with certain restrictions and other requirements relating to the compensation of the Company's chief executive officer, chief financial officer and three other most highly compensated executive officers. These restrictions include a prohibition on severance payments to those executive officers upon termination of their employment and a $500,000 limit on the tax deductions the Company can take for compensation expense for each of those executive officers in a single year as well as a prohibition on bonus compensation to such officers other than limited amounts of long-term restricted stock.</div><div><br /></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"><u>Common Stock</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company has reserved 700,000 shares of its common stock to be made available to directors and employees who elect to participate in the stock purchase or savings and investment plans. During 2006, the number of shares set aside for these plans was increased by the Board of Directors from 480,000 to 700,000. As of December 31, 2012, 522,411 shares had been issued pursuant to these plans, leaving 177,589 shares available for future use. The issuance price is based on the market price of the stock at issuance date. Sales of stock to directors and employees amounted to 12,451 shares in 2012, 12,775 shares in 2011, and 12,334 shares in 2010.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In 2001, the Company established a dividend reinvestment plan to allow shareholders to use their cash dividends for the automatic purchase of shares in the Company. When the plan was established, 600,000 shares were registered with the Securities and Exchange Commission, and as of December 31, 2012, 200,580 shares have been issued, leaving 399,420 shares for future use. Participation in this plan is optional and at the individual discretion of each Shareholder. Shares are purchased for the plan from the Company at a price per share equal to the average of the daily bid and asked prices reported on the NASDAQ System for the five trading days immediately preceding, but not including, the dividend payment date. Sales of stock under the Dividend Reinvestment Plan amounted to 14,056 shares in 2012, 14,387 shares in 2011, and 16,520 shares in 2010.</div></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for shareholders' equity, comprised of portions attributable to the parent entity and noncontrolling interest, if any, including other comprehensive income (as applicable).  Including, but not limited to: (1) balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings; (2) accumulated balance for each classification of other comprehensive income and total amount of comprehensive income; (3) amount and nature of changes in separate accounts, including the number of shares authorized and outstanding, number of shares issued upon exercise and conversion, and for other comprehensive income, the adjustments for reclassifications to net income; (4) rights and privileges of each class of stock authorized; (5) basis of treasury stock, if other than cost, and amounts paid and accounting treatment for treasury stock purchased significantly in excess of market; (6) dividends paid or payable per share and in the aggregate for each class of stock for each period presented; (7) dividend restrictions and accumulated preferred dividends in arrears (in aggregate and per share amount); (8) retained earnings appropriations or restrictions, such as dividend restrictions; (9) impact of change in accounting principle, initial adoption of new accounting principle and correction of an error in previously issued financial statements; (10) shares held in trust for Employee Stock Ownership Plan (ESOP); (11) deferred compensation related to issuance of capital stock; (12) note received for issuance of stock; (13) unamortized discount on shares; (14) description, terms, and number of warrants or rights outstanding; (15) shares under subscription and subscription receivables, effective date of new retained earnings after quasi-reorganization and deficit eliminated by quasi-reorganization and, for a period of at least ten years after the effective date, the point in time from which the new retained dates; and (16) retroactive effective of subsequent change in capital structure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21484-112644<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 4<br><br> -Subparagraph (SAB TOPIC 4.C)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187143-122770<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Preferred Stock<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6521494<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Article 4<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section C<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21488-112644<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph d<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23285-112656<br><br><br><br>Reference 17: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 18: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(d),(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 19: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 1<br><br> -Section B<br><br> -Paragraph 7, 11A<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Mortgage Servicing Rights (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingAbstract', window );"><strong>Mortgage Servicing Rights [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Mortgage servicing rights are included in other assets and detailed in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">As of December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; 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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A tabular presentation of the net mortgage servicing rights as of the balance sheet date.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 16. 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net income as reported</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,688,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,000</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Warrants issued to U.S. Treasury</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total dilutive securities</div></td><td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">267,904</div></td><td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></td><td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">267,904</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">As of December 31, 2011</div></td><td style="width: 17.19%; vertical-align: bottom;"><div>&#160;</div></td><td style="width: 19.03%; vertical-align: bottom;"><div>&#160;</div></td><td style="width: 24.1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Incentive stock options</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">51,000</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">9,000</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,000</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Warrants issued to U.S. Treasury</div></td><td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td><td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total dilutive securities</div></td><td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">276,904</div></td><td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">9,000</div></td><td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">267,904</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">As of December 31, 2010</div></td><td style="width: 17.19%; vertical-align: bottom;"><div>&#160;</div></td><td style="width: 19.03%; vertical-align: bottom;"><div>&#160;</div></td><td style="width: 24.1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Incentive stock options</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">55,500</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">13,500</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,000</div></td></tr><tr><td style="width: 39.68%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Warrants issued to U.S. Treasury</div></td><td style="width: 17.19%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td><td style="width: 19.03%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td style="width: 24.1%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">225,904</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 39.68%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total dilutive securities</div></td><td style="border-bottom: #000000 2px solid; width: 17.19%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">281,404</div></td><td style="border-bottom: #000000 2px solid; width: 19.03%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">13,500</div></td><td style="border-bottom: #000000 2px solid; width: 24.1%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">267,904</div></td></tr></table><div><br /></div></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for earnings per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1278-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EBAAE">
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          <div style="width: 200px;"><strong>Employee Benefit Plans, Schedule of Net Periodic Benefit Cost Not Yet Recognized (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
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        <th class="th">
          <div>Dec. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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          <div>Dec. 31, 2010</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetGainsLossesBeforeTax', window );">Unamortized net actuarial loss</a></td>
        <td class="nump">$ 14,000<span></span></td>
        <td class="num">$ (186,000)<span></span></td>
        <td class="num">$ (100,000)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeNetTransitionAssetsObligationsBeforeTax', window );">Unrecognized transition obligation</a></td>
        <td class="nump">5,000<span></span></td>
        <td class="num">(5,000)<span></span></td>
        <td class="num">(34,000)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanAccumulatedOtherComprehensiveIncomeBeforeTax', window );">Total</a></td>
        <td class="nump">19,000<span></span></td>
        <td class="num">(191,000)<span></span></td>
        <td class="num">(134,000)<span></span></td>
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        <td class="num">(7,000)<span></span></td>
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        <td class="nump">47,000<span></span></td>
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        <td class="nump">$ 12,000<span></span></td>
        <td class="num">$ (123,000)<span></span></td>
        <td class="num">$ (87,000)<span></span></td>
        <td class="num">$ (73,000)<span></span></td>
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                <p>Tax effects of the increase (decrease) to accumulated comprehensive income during the period related to benefit plans.</p>
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                <p>No definition available.</p>
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                <p>The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
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                <p>The pretax total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
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                <p>The pretax net amount of gains and losses that are not yet recognized as a component of net periodic benefit cost, and that are recognized as increases or decreases in other comprehensive income as they arise. Gains and losses are due to changes in the value of either the benefit obligation or the plan assets resulting from experience different from that assumed or from a change in an actuarial assumption, or the consequence of a decision to temporarily deviate from the substantive plan.</p>
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                <p>Of the original amount of transition assets as of the date FAS 87 or 106 was initially applied, (a) the fair value of plan assets plus any recognized accrued pension or other postretirement benefit cost or less any recognized prepaid pension or other postretirement benefit cost in excess of (b) the benefit obligation, the portion of which has yet to be recognized as components of net periodic benefit cost. Of the original amount of transition obligations as of the date FAS 87 or 106 was initially applied, (a) the benefit obligation in excess of (b) the fair value of plan assets plus any recognized accrued pension or other postretirement benefit cost or less any recognized prepaid pension or other postretirement benefit cost, the portion of which has yet to be recognized as components of net periodic benefit cost. This amount is pretax.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EIEAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Changes in Shareholders' Equity (Audited) (Parenthetical) (USD $)<br></strong></div>
        </th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Net unrealized gain on securities available for sale, taxes</a></td>
        <td class="nump">$ 1,041,000<span></span></td>
        <td class="nump">$ 5,093,000<span></span></td>
        <td class="nump">$ 290,000<span></span></td>
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        <td class="nump">$ 75,000<span></span></td>
        <td class="nump">$ 8,000<span></span></td>
        <td class="nump">$ 20,000<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effects of the increase (decrease) to accumulated comprehensive income during the period related to benefit plans. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect on gross appreciation or the gross loss in value of the total of unsold securities during the period being reported on.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E5FAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Balance Sheets (Audited) (Parenthetical) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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                <p>Face amount or stated value of common stock per share; generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the aggregate fair value of investments in debt securities as of the balance sheet date and which are categorized as held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br></p>
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                <p>Face amount or stated value per share of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer); generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Acquisitions and Intangible Assets<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationsAbstract', window );"><strong>Acquisitions and Intangible Assets [Abstract]</strong></a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationDisclosureTextBlock', window );">Acquisitions and Intangible Assets [Text Block]</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 9. Acquisitions and Intangible Assets</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">On October 26, 2012, the Bank completed the purchase of a branch at 63 Union Street in Rockland, Maine, from Camden National Bank that was formerly operated by Bank of America. As part of the transaction, the Bank acquired approximately $32.3 million in deposits as well as a small volume of loans. On the same date, the Bank completed the purchase of a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National Bank, and opened a full-service branch in this building in February of 2013. The acquisition allows the Bank to expand its community banking franchise into eastern Maine and expand its presence in Rockland, Maine. The acquisition-date estimated fair values of assets acquired and liabilities assumed in Rockland and Bangor were as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Assets</div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Cash</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">25,297,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">224,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Bank premises and equipment</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,776,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accrued interest receivable and other assets</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">24,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Core deposit intangible</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">432,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Goodwill</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,121,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Liabilities</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Deposits</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">31,858,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accrued interest and other liabilities</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">16,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr></table><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The purchase premium of $2,553,000 was allocated to assets acquired and liabilities assumed based on estimates of fair value at the date of acquisition. The fair value of the deposit accounts assumed was compared to the carrying amounts received and the difference of $432,000 was recorded as core deposit intangible. The core deposit intangible is subject to amortization over the estimated ten-year average life of the acquired core deposit base and will be evaluated for impairment periodically. The amortization expense will be included in other noninterest expense in the consolidated statements of income and comprehensive income and is deductible for tax purposes. As of December 31, 2012, the amortization expense related to the core deposit intangible, absent any future impairment, is expected to be as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2013</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2014</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2017</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Thereafter</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">217,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">432,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The banking facilities were valued at the most recent tax assessed value, which approximates fair value. The loans acquired were recorded at fair value at the time of acquisition. The estimated fair value of the loans acquired is equal to the carrying value. The excess of the purchase price over the fair value of the assets acquired, liabilities assumed, and the amount allocated for core deposit intangible totaled $2,121,000 and was recorded as goodwill. The goodwill is not amortizable but is deductible for tax purposes. Management periodically assesses qualitative factors to determine whether goodwill is impaired. Management is not aware of any such events or circumstances that would cause it to conclude that the goodwill is impaired.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">One-time costs associated with the acquisition that were recognized by the Company and included in the consolidated statements of income and comprehensive income for 2012 were $251,000. The amounts of revenue and expenses related to the Rockland branch since the October 26, 2012 acquisition date are included in the consolidated statements of income of the Company as follows:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest expense</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">21,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">36,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Non-interest expense</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">55,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loss before taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(38,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Tax benefit</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(13,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net loss</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(25,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Disclosure of the proforma revenue and earnings of the combined entity for the current and prior reporting periods as though the acquisition had occurred at the beginning of the prior annual reporting period is not considered practicable. Retrospective application to January 1, 2012 and January 1, 2011 requires assumptions about management's intent in prior periods that cannot be independently substantiated. It is not possible to objectively distinguish information about significant estimates of amounts that provide evidence of circumstances that existed on the dates at which those amounts would be recognized, measured, or disclosed under retrospective application and would have been available when the financial statements for that prior period were issued. The Company is unable to obtain certain information from the seller regarding transfer of deposits among branches and deposit activity since January 1, 2011. It is impracticable to estimate historical information.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">On January 14, 2005, the Company acquired FNB Bankshares ("FNB") of Bar Harbor, Maine, and its subsidiary, The First National Bank of Bar Harbor. The total value of the transaction was $47,955,000, and all of the voting equity interest of FNB was acquired in the transaction. The transaction was accounted for as a purchase and the excess of purchase price over the fair value of net identifiable assets acquired equaled $27,559,000 and was recorded as goodwill, none of which was deductible for tax purposes. The portion of the purchase price related to the core deposit intangible is being amortized over its expected economic life, and goodwill is evaluated annually for possible impairment under the provisions of FASB ASC Topic 350, "Intangibles &#8211; Goodwill and Other". &#160;As of December 31, 2012, in accordance with Topic 350, the Company completed its annual review of goodwill and determined there has been no impairment. The Bank also carries $125,000 in goodwill for a de minimus transaction in 2001.</div></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for a business combination (or series of individually immaterial business combinations) completed during the period, including background, timing, and recognized assets and liabilities. The disclosure may include leverage buyout transactions (as applicable).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51, 52<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1500-128463<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6911361&amp;loc=d3e7000-128479<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6911361&amp;loc=d3e6927-128479<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6911361&amp;loc=d3e7008-128479<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1490-128463<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6911361&amp;loc=d3e6996-128479<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4922-128472<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4934-128472<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Appendix F<br><br> -Paragraph F4<br><br> -Subparagraph e<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4926-128472<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1383-128463<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1392-128463<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1497-128463<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 67-73<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 18: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1486-128463<br><br><br><br>Reference 19: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910749&amp;loc=d3e4845-128472<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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          <div>Dec. 31, 2012</div>
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                <p>No definition available.</p>
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                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
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                <p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p>
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                <p>The type of document being provided (such as 10-K, 10-Q, N-1A, etc). The document type is limited to the same value as the supporting SEC submission type, minus any "/A" suffix. The acceptable values are as follows: S-1, S-3, S-4, S-11, F-1, F-3, F-4, F-9, F-10, 6-K, 8-K, 10, 10-K, 10-Q, 20-F, 40-F, N-1A, 485BPOS, 497, NCSR, N-CSR, N-CSRS, N-Q, 10-KT, 10-QT, 20-FT, POS AM and Other.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
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                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, or (4) Smaller Reporting Company. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
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                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
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                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"><u>Note 10. 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width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Other liabilities</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(2,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total deferred tax liability</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(8,622,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(8,403,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net deferred tax liability</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(2,512,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(2,350,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31, 2012, the Company held investments in two limited partnerships with related New Market Tax Credits. These investments are carried at cost and amortized on the effective yield method. The tax credits from these investments are estimated at $636,000 and $589,000 for each of the years ended December 31, 2012 and 2011, respectively, and are recorded as a reduction of income tax expense. Amortization of the investments in the limited partnerships totaled $476,000 and $390,000 for the years ended December 31, 2012 and 2011, respectively, and is recognized as a component of income tax expense in the consolidated statements of income. The carrying value of these investments was $1,546,000 and $2,022,000 at December 31, 2012 and 2011, respectively, and is recorded in other</div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">assets. The Company's total exposure to these limited partnerships was $5,046,000 and $5,522,000, at December 31, 2012 and 2011, respectively, which is comprised of the Company's equity investment in the limited partnerships and the balance of a participated loan receivable.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">FASB ASC Topic 740 "Income Taxes" defines the criteria that an individual tax position must satisfy for some or all of the benefits of that position to be recognized in a company's financial statements. Topic 740 prescribes a recognition threshold of more-likely-than-not, and a measurement attribute for all tax positions taken or expected to be taken on a tax return, in order for those tax positions to be recognized in the financial statements. The Company is currently open to audit under the statute of limitations by the Internal Revenue Service for the years ended December 31, 2009 through 2011.</div><div><br /></div></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 136, 172<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43, 44, 45, 46, 47, 48, 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxDisclosureTextBlock</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
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                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EXPBI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements of Income (Audited) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest and dividend income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest and fees on loans (includes tax-exempt income of $696,000 in 2012, $696,000 in 2011, and $868,000 in 2010)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 37,026,000<span></span></td>
        <td class="nump">$ 39,805,000<span></span></td>
        <td class="nump">$ 43,903,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeDepositsWithFinancialInstitutions', window );">Interest on deposits with other banks</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,000<span></span></td>
        <td class="nump">12,000<span></span></td>
        <td class="nump">6,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecurities', window );">Interest and dividends on investments (includes tax-exempt income of $4,332,000 in 2012, $4,332,000 in 2011, and $3,373,000 in 2010)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,795,000<span></span></td>
        <td class="nump">15,885,000<span></span></td>
        <td class="nump">13,351,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest and dividend income</a></td>
        <td class="nump">12,694,000<span></span></td>
        <td class="nump">13,553,000<span></span></td>
        <td class="nump">51,825,000<span></span></td>
        <td class="nump">55,702,000<span></span></td>
        <td class="nump">57,260,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest expense</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseDeposits', window );">Interest on deposits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,396,000<span></span></td>
        <td class="nump">9,746,000<span></span></td>
        <td class="nump">10,297,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseBorrowings', window );">Interest on borrowed funds</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,542,000<span></span></td>
        <td class="nump">4,963,000<span></span></td>
        <td class="nump">6,374,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
        <td class="nump">3,201,000<span></span></td>
        <td class="nump">3,516,000<span></span></td>
        <td class="nump">12,938,000<span></span></td>
        <td class="nump">14,709,000<span></span></td>
        <td class="nump">16,671,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">9,493,000<span></span></td>
        <td class="nump">10,037,000<span></span></td>
        <td class="nump">38,887,000<span></span></td>
        <td class="nump">40,993,000<span></span></td>
        <td class="nump">40,589,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
        <td class="nump">1,535,000<span></span></td>
        <td class="nump">4,950,000<span></span></td>
        <td class="nump">7,835,000<span></span></td>
        <td class="nump">10,550,000<span></span></td>
        <td class="nump">8,400,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for loan losses</a></td>
        <td class="nump">7,958,000<span></span></td>
        <td class="nump">5,087,000<span></span></td>
        <td class="nump">31,052,000<span></span></td>
        <td class="nump">30,443,000<span></span></td>
        <td class="nump">32,189,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>Non-interest income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities', window );">Fiduciary and investment management income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,636,000<span></span></td>
        <td class="nump">1,506,000<span></span></td>
        <td class="nump">1,455,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsDepositorAccounts', window );">Service charges on deposit accounts</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,671,000<span></span></td>
        <td class="nump">2,688,000<span></span></td>
        <td class="nump">2,838,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net securities gains</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,968,000<span></span></td>
        <td class="nump">3,293,000<span></span></td>
        <td class="nump">2,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsMortgageBanking', window );">Mortgage origination and servicing income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,396,000<span></span></td>
        <td class="nump">1,138,000<span></span></td>
        <td class="nump">1,796,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOtherOperatingIncome', window );">Other operating income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,607,000<span></span></td>
        <td class="nump">3,125,000<span></span></td>
        <td class="nump">3,044,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total non-interest income</a></td>
        <td class="nump">2,722,000<span></span></td>
        <td class="nump">5,159,000<span></span></td>
        <td class="nump">11,278,000<span></span></td>
        <td class="nump">11,750,000<span></span></td>
        <td class="nump">9,135,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Non-interest expense</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,691,000<span></span></td>
        <td class="nump">12,245,000<span></span></td>
        <td class="nump">11,927,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,639,000<span></span></td>
        <td class="nump">1,583,000<span></span></td>
        <td class="nump">1,536,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquipmentExpense', window );">Furniture and equipment expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,235,000<span></span></td>
        <td class="nump">2,144,000<span></span></td>
        <td class="nump">2,209,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC insurance premiums</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,212,000<span></span></td>
        <td class="nump">1,391,000<span></span></td>
        <td class="nump">1,931,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationAcquisitionRelatedCosts', window );">Acquisition-related costs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">251,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfIntangibleAssets', window );">Amortization of identified intangibles</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">283,000<span></span></td>
        <td class="nump">283,000<span></span></td>
        <td class="nump">283,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other operating expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,960,000<span></span></td>
        <td class="nump">8,392,000<span></span></td>
        <td class="nump">7,244,000<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total non-interest expense</a></td>
        <td class="nump">6,768,000<span></span></td>
        <td class="nump">6,366,000<span></span></td>
        <td class="nump">26,271,000<span></span></td>
        <td class="nump">26,038,000<span></span></td>
        <td class="nump">25,130,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income before income taxes</a></td>
        <td class="nump">3,912,000<span></span></td>
        <td class="nump">3,880,000<span></span></td>
        <td class="nump">16,059,000<span></span></td>
        <td class="nump">16,155,000<span></span></td>
        <td class="nump">16,194,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Applicable tax expense</a></td>
        <td class="nump">683,000<span></span></td>
        <td class="nump">858,000<span></span></td>
        <td class="nump">3,371,000<span></span></td>
        <td class="nump">3,791,000<span></span></td>
        <td class="nump">4,078,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">3,229,000<span></span></td>
        <td class="nump">3,022,000<span></span></td>
        <td class="nump">12,688,000<span></span></td>
        <td class="nump">12,364,000<span></span></td>
        <td class="nump">12,116,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic earnings per common share</a></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 1.22<span></span></td>
        <td class="nump">$ 1.14<span></span></td>
        <td class="nump">$ 1.10<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted earnings per common share</a></td>
        <td class="nump">$ 0.31<span></span></td>
        <td class="nump">$ 0.29<span></span></td>
        <td class="nump">$ 1.22<span></span></td>
        <td class="nump">$ 1.14<span></span></td>
        <td class="nump">$ 1.10<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Other comprehensive income, net of tax</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_UnrealizedGainOnSecuritiesAvailableForSale', window );">Unrealized gain (loss) on securities available for sale</a></td>
        <td class="nump">829,000<span></span></td>
        <td class="nump">14,551,000<span></span></td>
        <td class="nump">829,000<span></span></td>
        <td class="nump">14,551,000<span></span></td>
        <td class="num">(2,973,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedTaxExpenseBenefit', window );">Related tax expense (benefit)</a></td>
        <td class="nump">290,000<span></span></td>
        <td class="nump">5,093,000<span></span></td>
        <td class="nump">290,000<span></span></td>
        <td class="nump">5,093,000<span></span></td>
        <td class="num">(1,041,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain (loss) on securities available for sale</a></td>
        <td class="num">(1,548,000)<span></span></td>
        <td class="num">(754,000)<span></span></td>
        <td class="nump">539,000<span></span></td>
        <td class="nump">9,458,000<span></span></td>
        <td class="num">(1,932,000)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_UnrecognizedPostretirementBenefits', window );">Unrecognized postretirement benefits</a></td>
        <td class="num">(56,000)<span></span></td>
        <td class="num">(22,000)<span></span></td>
        <td class="num">(56,000)<span></span></td>
        <td class="num">(22,000)<span></span></td>
        <td class="nump">213,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedTaxExpenseBenefit-Postretirement', window );">Related tax expense (benefit)</a></td>
        <td class="num">(20,000)<span></span></td>
        <td class="num">(8,000)<span></span></td>
        <td class="num">(20,000)<span></span></td>
        <td class="num">(8,000)<span></span></td>
        <td class="nump">75,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostNetOfTax', window );">Net unrecognized (loss) gain on postretirement benefits</a></td>
        <td class="num">(51,000)<span></span></td>
        <td class="num">(28,000)<span></span></td>
        <td class="num">(36,000)<span></span></td>
        <td class="num">(14,000)<span></span></td>
        <td class="nump">138,000<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease', window );">Other comprehensive income (loss)</a></td>
        <td class="num">(1,599,000)<span></span></td>
        <td class="num">(782,000)<span></span></td>
        <td class="nump">503,000<span></span></td>
        <td class="nump">9,444,000<span></span></td>
        <td class="num">(1,794,000)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest', window );">Comprehensive income</a></td>
        <td class="nump">$ 1,630,000<span></span></td>
        <td class="nump">$ 2,240,000<span></span></td>
        <td class="nump">$ 13,191,000<span></span></td>
        <td class="nump">$ 21,808,000<span></span></td>
        <td class="nump">$ 10,322,000<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RelatedTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax expense related to unrealized gain (loss) on securities available for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RelatedTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RelatedTaxExpenseBenefit-Postretirement">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax expense related to postretirement benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RelatedTaxExpenseBenefit-Postretirement</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_UnrealizedGainOnSecuritiesAvailableForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Unrealized gain on securities available for sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_UnrealizedGainOnSecuritiesAvailableForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_UnrecognizedPostretirementBenefits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Postretirement benefits before tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_UnrecognizedPostretirementBenefits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (a)(2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph a(2)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16225-109274<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmortizationOfIntangibleAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessCombinationAcquisitionRelatedCosts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents acquisition-related costs incurred to effect a business combination which costs have been expensed during the period. Such costs include finder's fees; advisory, legal, accounting, valuation, and other professional or consulting fees; general administrative costs, including the costs of maintaining an internal acquisitions department; and may include costs of registering and issuing debt and equity securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 59<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 805<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 23<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909708&amp;loc=d3e1043-128460<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessCombinationAcquisitionRelatedCosts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the economic entity, including both controlling (parent) and noncontrolling interests. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, including any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 4K<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6922042&amp;loc=SL4591552-111686<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 810<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 19<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569616-111683<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A5<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 29<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 52<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 07-4<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 7<br><br><br><br> -Paragraph 18<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.23)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 128<br><br><br><br> -Paragraph 36, 37, 38<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 128<br><br><br><br> -Paragraph 11, 12, 36<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 20<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 7<br><br><br><br> -Paragraph 18<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 07-4<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquipmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquipmentExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The premium paid to the Federal Deposit Insurance Corporation for deposit insurance which is included in noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalDepositInsuranceCorporationPremiumExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsDepositorAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsDepositorAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income from services rendered by trust departments or by any consolidated subsidiaries acting in a fiduciary capacity, including fees earned for (1) acting as an agent for fiduciary placement and loans and (2) custody or investment advisory services when such fees are not separately billed to the customer. This item excludes commissions and fees received for the accumulation or disbursement of funds deposited to Individual Retirement or Keogh plan accounts when such are not handled by the reporting entity's trust department.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (a))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsMortgageBanking">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The noninterest income derived from mortgage banking activities (fees and commissions), excluding fees earned from servicing third-party assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsMortgageBanking</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph h<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 3<br><br><br><br> -Article 7<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 4<br><br><br><br> -Section 08<br><br><br><br> -Paragraph h<br><br><br><br> -Subparagraph 1(i)<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Income Tax Expense (or Benefit)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 740<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 9<br><br><br><br> -Subparagraph (a),(b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 08<br><br><br><br> -Paragraph h<br><br><br><br> -Article 4<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 109<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph a, b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 235<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.4-08.(h))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-BRD<br><br><br><br> -Chapter 4<br><br><br><br> -Paragraph 9, 51, 54<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 1, 2 , 3, 4, 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.1-5)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest and dividend income on all securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.2,3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 14<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6956420&amp;loc=d3e24721-111560<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 835<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.9)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 34<br><br><br><br> -Paragraph 21<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 9<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 9<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all borrowings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Subsection I<br><br><br><br> -Paragraph 8<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.7,8)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 6<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 6<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDeposits</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from funds deposited with both domestic and foreign financial institutions including funds in money market and other accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeDepositsWithFinancialInstitutions</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net interest and dividend income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 260<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 6<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A7<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 10, 15<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Other Comprehensive Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Emerging Issues Task Force (EITF)<br><br><br><br> -Number 87-21<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Net Income<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br><br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 19<br><br><br><br><br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 28, 29, 30<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 14<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 14<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 13<br><br><br><br> -Subsection II<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeAbstract</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents other forms of revenue earned, excluding interest, which is not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-04.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 840<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 13<br><br><br><br> -Paragraph 15<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-BRD<br><br><br><br> -Chapter 4<br><br><br><br> -Paragraph 62<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 13<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 13<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 13<br><br><br><br> -Paragraph 16<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 225<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SX 210.5-03.6)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OccupancyNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents Other Comprehensive Income or Loss, Net of Tax, for the period.  Includes deferred gains or losses on qualifying hedges, unrealized holding gains or losses on available-for-sale securities, minimum pension liability, and cumulative translation adjustment. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 22, 23, 24, 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 8<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e599-108580<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecrease</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostNetOfTax">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The adjustment out of other comprehensive income for the net transition asset or obligation recognized as a component of net periodic benefit cost during the period, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 715<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (i)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 158<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph a<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 158<br><br><br><br> -Paragraph 4<br><br><br><br> -Subparagraph c, d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostNetOfTax</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 13<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 55<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (e)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 24<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 17, 22<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph 38<br><br><br><br> -Subparagraph c(3)<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 225<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-04.11)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 04<br><br><br><br> -Paragraph 11<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 5<br><br><br><br> -Paragraph 168, 169, 170<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 28<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br><br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
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          <div style="width: 200px;"><strong>Mortgage Servicing Rights<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingAbstract', window );"><strong>Mortgage Servicing Rights [Abstract]</strong></a></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"><u>Note 4. Loan Servicing</u></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31, 2012 and 2011, the Bank serviced loans for others totaling $205,859,000 and $238,221,000, respectively. Net gains from the sale of loans totaled $1,191,000 in 2012, $756,000 in 2011, and $977,000 in 2010. In 2012, mortgage servicing rights of $330,000 were capitalized and amortization for the year totaled $636,000. At December 31, 2012, mortgage servicing rights had a fair value of $1,228,000. In 2011, mortgage servicing rights of $368,000 were capitalized and amortization for the year totaled $573,000. At December 31, 2011, mortgage servicing rights had a fair value of $1,581,000.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Financial Accounting Standards Board ("FASB") Accounting Standards Codification (the "Codification" or "ASC") Topic 860, "Transfers and Servicing", requires all separately recognized servicing assets and servicing liabilities to be initially measured at fair value, if practicable. Servicing assets and servicing liabilities are reported using the amortization method or the fair value measurement method. In evaluating the carrying values of mortgage servicing rights, the Company obtains third party valuations based on loan level data including note rate, type and term of the underlying loans. The model utilizes several assumptions, the most significant of which is loan prepayments, calculated using a three-month moving average of weekly prepayment data published by the Public Securities Association (PSA) and modeled against the serviced loan portfolio, and the discount rate to discount future cash flows. As of December 31, 2012, the prepayment assumption using the PSA model was 412, which translates into an anticipated prepayment rate of 24.72%. The discount rate is the quarterly average ten-year U.S. Treasury interest rate plus 4.86%. Other assumptions include delinquency rates, foreclosure rates, servicing cost inflation, and annual unit loan cost. All assumptions are adjusted periodically to reflect current circumstances. Amortization of mortgage servicing rights, as well as write-offs due to prepayments of the related mortgage loans, are recorded as a charge against mortgage servicing fee income.&#160;</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Mortgage servicing rights are included in other assets and detailed in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">As of December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Mortgage servicing rights</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">6,430,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">6,099,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accumulated amortization</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">(5,473,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(4,837,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Impairment reserve</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">(90,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(61,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">867,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; 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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6865494&amp;loc=SL6226443-111709<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph B1-B12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6942082&amp;loc=d3e107207-111719<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph 6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6862952&amp;loc=d3e113969-111729<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122625-111746<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6942082&amp;loc=d3e107314-111719<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122596-111746<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122739-111746<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6865494&amp;loc=SL6226446-111709<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Investment Securities<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 3. 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text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank is a member of the Federal Home Loan Bank ("FHLB") of Boston, a cooperatively owned wholesale bank for housing and finance in the six New England States. 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                <p>Tabular disclosure of investments in certain debt and equity securities (and certain other trading assets) which include all debt and equity securities (other than those equity securities accounted for under the equity or cost methods of accounting) with readily determinable fair values. Other trading assets include assets that are carried on the balance sheet at fair value and held for trading purposes.  A debt security represents a creditor relationship with an enterprise that is in the form of a security. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities (and other trading assets).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27405-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Equity Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6511694<br><br> -Topic 320<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Debt Security<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509901<br><br> -Topic 320<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 3, 19, 20, 21, 22, 137<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27232-111563<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Stock Options and Stock-Based Compensation<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Stock Options and Stock-Based Compensation [Abstract]</strong></a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Stock Options and Stock-Based Compensation</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 15. Stock Options and Stock-Based Compensation</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At the 2010 Annual Meeting, shareholders approved the 2010 Equity Incentive Plan (the "2010 Plan"). This reserves 400,000 shares of common stock for issuance in connection with stock options, restricted stock awards and other equity based awards to attract and retain the best available personnel, provide additional incentive to officers, employees and non-employee Directors and promote the success of our business. Such grants and awards will be structured in a manner that does not encourage the recipients to expose the Company to undue or inappropriate risk. Options issued under the 2010 Plan will qualify for treatment as incentive stock options for purposes of Section 422 of the Internal Revenue Code. Other compensation under the 2010 Plan will qualify as performance-based for purposes of Section 162(m) of the Internal Revenue Code, and will satisfy NASDAQ guidelines relating to equity compensation.</div><div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31, 2012, 19,727 shares of restricted stock had been granted under the 2010 Plan, as detailed in the following table:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Year</div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Granted</div></td><td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Vesting Term</div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(In Years)</div></td><td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Shares</div></td><td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Remaining Term</div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">(In Years)</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2011</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,500</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2.1</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2011</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5,500</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">3.1</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2012</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">3.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,027</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2.2</div></td></tr><tr><td style="width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2012</div></td><td style="width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4.0</div></td><td style="width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,704</div></td><td style="width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">3.2</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2012</div></td><td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5.0</div></td><td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">7,996</div></td><td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4.2</div></td></tr><tr><td style="border-bottom: #000000 2px solid; width: 23.98%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div>&#160;</div></td><td style="border-bottom: #000000 2px solid; width: 25.34%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div>&#160;</div></td><td style="border-bottom: #000000 2px solid; width: 21.25%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: right; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">19,727</div></td><td style="border-bottom: #000000 2px solid; width: 29.43%; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">3.4</div></td></tr></table><div><br /></div><div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The compensation cost related to these restricted stock grants was $302,000 and will be recognized over the vesting terms of each grant. In 2012, $85,000 of expense was recognized for these restricted shares, leaving $207,000 in unrecognized expense as of December 31, 2012. In 2011, $22,000 of expense was recognized for restricted shares, leaving $89,000 in unrecognized expense as of December 31, 2011.</div><div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company established a shareholder-approved stock option plan in 1995 (the "1995 Plan"), under which the Company granted options to employees for 600,000 shares of common stock. Only incentive stock options were granted under the 1995 Plan. The option price of each option grant was determined by the Options Committee of the Board of Directors, and in no instance was less than the fair market value on the date of the grant. An option's maximum term was ten years from the date of grant, with 50% of the options granted vesting two years from the date of grant and the remaining 50% vesting five years from the date of grant. As of January 16, 2005, all options under the 1995 Plan had been granted.</div><div style="text-align: left; text-indent: 22.5pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company applies the fair value recognition provisions of FASB ASC Topic 718, "Compensation &#8211; Stock Compensation", to stock-based employee compensation. As of December 31, 2012, all outstanding options were fully vested and all compensation cost for options had been recognized. During 2012, 9,000 options were exercised. A summary of the status of outstanding stock options as of December 31, 2012 and changes during the year then ended, is presented below.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Number of Shares</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.5pt; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 0.5pt; vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 0.5pt solid; vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 0.5pt; vertical-align: bottom;">&#160;</td><td valign="bottom" style="padding-bottom: 0.5pt; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">18.00</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; 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text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">18.00</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2.0</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">-</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Certificates of Deposit<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankingAndThriftAbstract', window );"><strong>Certificates of Deposit [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock', window );">Certificates of Deposit</a></td>
        <td class="text"><div><div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 11. Certificates of Deposit</u></div><div><br /></div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table represents the breakdown of Certificates of Deposit at December 31, 2012 and 2011:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">December 31, 2012</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">December 31, 2011</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certificates of deposit &lt; $100,000</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">199,265,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">216,836,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certificates $100,000 to $250,000</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">277,571,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">309,841,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certificates $250,000 and over</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">28,220,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">22,499,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">505,056,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">549,176,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div></div><div><br /></div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">At December 31, 2012, the scheduled maturities of certificates of deposit are as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Year of<font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><br /></font>Maturity</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Less than $100,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$100,000 and Greater</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">All Certificates of Deposit</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2013</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">84,984,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">219,735,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">304,719,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2014</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">46,347,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div class="trgrxbrlF08080"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">27,099,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">73,446,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2015</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">50,925,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">42,026,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">92,951,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 64%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2016</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">11,564,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Premises and Equipment<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 7. 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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ETWAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Premises and Equipment (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
        <td class="nump">$ 35,863,000<span></span></td>
        <td class="nump">$ 30,432,000<span></span></td>
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        <td class="nump">22,988,000<span></span></td>
        <td class="nump">18,842,000<span></span></td>
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      <tr class="rh">
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          <div class="a">Land [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
        <td class="nump">4,532,000<span></span></td>
        <td class="nump">4,123,000<span></span></td>
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      <tr class="rh">
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          <div class="a">Land Improvements [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
        <td class="nump">781,000<span></span></td>
        <td class="nump">693,000<span></span></td>
      </tr>
      <tr class="rh">
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          <div class="a">Building [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentGross', window );">Premises and equipment, gross</a></td>
        <td class="nump">18,958,000<span></span></td>
        <td class="nump">15,415,000<span></span></td>
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      <tr class="rh">
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          <div class="a">Equipment [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentLineItems', window );"><strong>Property, Plant and Equipment [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
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        <td class="nump">$ 11,592,000<span></span></td>
        <td class="nump">$ 10,201,000<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of depreciation, depletion and amortization (related to property, plant and equipment, but not including land) that has been recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 14<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross amount, at the balance sheet date, of long-lived physical assets used in the normal conduct of business and not intended for resale. This can include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible assets that are held by an entity for use in the production or supply of goods and services, for rental to others, or for administrative purposes and that are expected to provide economic benefit for more than one year; net of accumulated depreciation. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 8<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -Subparagraph b, c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loans<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-bottom: 10pt; font-size: 10pt; font-weight: bold;"><u>Note 5. 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width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">2.6</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">%</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">32,574,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; 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width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">45,019,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">28,777,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">18,182,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">571,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; 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width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">16,981,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,523,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">14,716,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">410,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Construction</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,354,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,368,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; 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width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,471,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">652,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">4,851,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">91,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Municipal</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; 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vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Residential</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; 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width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; 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                <p>The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5066-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5162-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(k))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph k<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Allowance for Loan Losses<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 6. Allowance for Loan Losses</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Company provides for loan losses through the establishment of an allowance for loan losses which represents an estimated reserve for existing losses in the loan portfolio. A systematic methodology is used for determining the allowance that includes a quarterly review process, risk rating changes, and adjustments to the allowance. The loan portfolio is classified in eight segments and credit risk is evaluated separately in each segment. The appropriate level of the allowance is evaluated continually based on a review of significant loans, with a particular emphasis on nonaccruing, past due, and other loans that may require special attention. 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Changes to qualitative adjustments for other major portfolio segments were not material in 2012. 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; 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width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 20%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">341,286,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">10,469,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">105,244,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">16,788,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">5,702,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">7,042,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 20%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Ending balance</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following summarizes other real estate owned:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of &#160;December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,284,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">352,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 64%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Balance at end of year</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">373,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">436,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">132,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for real estate owned (as defined). Generally, the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 28<br><br> -Article 12<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 9, 11, 12, 13, 14, 15, 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.10(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 15<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 7, 34<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 11<br><br> -Paragraph 2, 6, 9-11, 18, 20<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 11<br><br> -Article 9<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 10<br><br> -Subparagraph 4<br><br> -Article 9<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 40<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905009&amp;loc=d3e18511-111553<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 11<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 10<br><br> -Subparagraph a, b<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 43<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6390298&amp;loc=d3e1739-110224<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6390298&amp;loc=d3e1424-110224<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4437-111522<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Subparagraph Schedule III<br><br> -Article 5<br><br><br><br>Reference 17: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 40<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905009&amp;loc=d3e18551-111553<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EORAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Certificates of Deposit (Details) (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsAbstract', window );"><strong>Certificates of deposit by balance [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsLessThan100000', window );">Certificates of deposit less than $100,000</a></td>
        <td class="nump">$ 199,265,000<span></span></td>
        <td class="nump">$ 216,836,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TimeDepositsGreaterThan100000AndLessThan250000', window );">Certificates $100,000 to $250,000</a></td>
        <td class="nump">277,571,000<span></span></td>
        <td class="nump">309,841,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TimeDeposits250000OrMore', window );">Certificates $250,000 and over</a></td>
        <td class="nump">28,220,000<span></span></td>
        <td class="nump">22,499,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">505,056,000<span></span></td>
        <td class="nump">549,176,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Maturity of certificates of deposit [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2013</a></td>
        <td class="nump">304,719,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2014</a></td>
        <td class="nump">73,446,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2015</a></td>
        <td class="nump">92,951,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2016</a></td>
        <td class="nump">22,235,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2017</a></td>
        <td class="nump">11,705,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">505,056,000<span></span></td>
        <td class="nump">549,176,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Less Than $100,000 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsAbstract', window );"><strong>Certificates of deposit by balance [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">199,265,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Maturity of certificates of deposit [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2013</a></td>
        <td class="nump">84,984,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2014</a></td>
        <td class="nump">46,347,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2015</a></td>
        <td class="nump">50,925,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2016</a></td>
        <td class="nump">11,564,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2017</a></td>
        <td class="nump">5,445,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">199,265,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Greater Than $100,000 But Less Than $250,000 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsAbstract', window );"><strong>Certificates of deposit by balance [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">305,791,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositsByMaturityAbstract', window );"><strong>Maturity of certificates of deposit [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearOne', window );">2013</a></td>
        <td class="nump">219,735,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearTwo', window );">2014</a></td>
        <td class="nump">27,099,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearThree', window );">2015</a></td>
        <td class="nump">42,026,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFour', window );">2016</a></td>
        <td class="nump">10,671,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDepositMaturitiesYearFive', window );">2017</a></td>
        <td class="nump">6,260,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Total</a></td>
        <td class="nump">$ 305,791,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to more than $250,000.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to more than $100,000 but less than $250,000.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than four years but five years or less.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than three years but four years or less.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositMaturitiesYearFour</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of twelve months or less.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than two years but three years or less.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than twelve months, but two years or less.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 470<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6802200&amp;loc=d3e1835-112601<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of time deposits, including certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDepositsLessThan100000">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of domestic or foreign time deposits (including certificates of deposits, individual retirement accounts and open accounts) that total to less than $100,000.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDepositsLessThan100000</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>81
<FILENAME>R66.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EEJAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Employee Benefit Plans (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DefinedContributionPlanAbstract', window );"><strong>Defined contribution plan [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DescriptionOfDefinedContributionPensionAndOtherPostretirementPlans', window );">Description of defined contribution pension plan</a></td>
        <td class="text">The Bank has a defined contribution plan available to substantially all employees who have completed three months of service. Employees may contribute up to IRS-determined limits and the Bank may provide a match to employee contributions not to exceed 3.0% of compensation depending on contribution level. Subject to a vote of the Board of Directors, the Bank may also make a profit-sharing contribution to the Plan.<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary', window );">Defined contribution plan employer maximum percentage match of annual salary based on employee contribution (in hundredths)</a></td>
        <td class="nump">3.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions', window );">Defined contribution plan employer maximum percentage of annual profit-sharing contribution to plan for benefit of employee (in hundredths)</a></td>
        <td class="nump">2.00%<span></span></td>
        <td class="nump">2.00%<span></span></td>
        <td class="nump">2.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedContributionPlanCostRecognized', window );">Expense related to 401(k) plan</a></td>
        <td class="nump">$ 363,000<span></span></td>
        <td class="nump">$ 341,000<span></span></td>
        <td class="nump">$ 362,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlansGeneralInformation', window );">Defined benefit plans, general information</a></td>
        <td class="text">The Bank also provides unfunded, non-qualified supplemental retirement benefits for certain officers, payable in installments over 20 years upon retirement or death. The agreements consist of individual contracts with differing characteristics that, when taken together, do not constitute a post-retirement plan.<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitExpense', window );">Pension expense</a></td>
        <td class="nump">289,000<span></span></td>
        <td class="nump">307,000<span></span></td>
        <td class="nump">230,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities', window );">Accrued pension liability</a></td>
        <td class="nump">2,080,000<span></span></td>
        <td class="nump">1,847,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfPostRetirementBenefitPlans', window );">Number of post-retirement benefit plans</a></td>
        <td class="nump">2<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfActiveEmployeesAged50AndOver', window );">Number of active employees aged 50 and over</a></td>
        <td class="nump">7<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum', window );">Post-retirement benefit plan health insurance subsidy range minimum per month per person</a></td>
        <td class="nump">40<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMaximum', window );">Post-retirement benefit plan health insurance subsidy range maximum per month per person</a></td>
        <td class="nump">1,200<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ExpectedFutureBenefitPaymentsCurrentYear', window );">Expected future benefit payments, current year</a></td>
        <td class="nump">102,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear', window );">Estimated plan expense</a></td>
        <td class="nump">112,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>Unrecognized transition obligation [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Net unrecognized loss on postretirement benefit costs</a></td>
        <td class="num">(123,000)<span></span></td>
        <td class="num">(87,000)<span></span></td>
        <td class="num">(73,000)<span></span></td>
        <td class="nump">12,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlanNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostBeforeTax', window );">Amortization of unrecognized transition obligation</a></td>
        <td class="num">(57,000)<span></span></td>
        <td class="num">(22,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationOfDefinedBenefitPlantNetTransitionAssetObligationRecognizedInNetPeriodicBenefitCostTax', window );">Related deferred taxes</a></td>
        <td class="nump">21,000<span></span></td>
        <td class="nump">8,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax', window );">Net unrealized loss on postretirement benefits</a></td>
        <td class="num">$ (123,000)<span></span></td>
        <td class="num">$ (87,000)<span></span></td>
        <td class="num">$ (73,000)<span></span></td>
        <td class="nump">$ 12,000<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DefinedContributionPlanAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DefinedContributionPlanAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The highest percentage of employer match of employee contribution to defined contribution plan based on annual salary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DefinedContributionPlanEmployerMaximumPercentageMatchOfEmployeeAnnualSalary</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of profit-sharing contributed by the employer to the defined contribution plan. The employee is entitled to receive in the future, subject to vesting and other restrictions, a share in the profits, as defined in the agreement, of the entity or portion thereof. Employer contributions may be discretionary or may be based on a fixed formula related to profits, compensation, or other factors. It is a form of incentive compensation to employees in addition to their regular salary and bonuses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DefinedContributionPlanEmployerMaximumProfitSharingContributions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ExpectedFutureBenefitPaymentsCurrentYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the benefits expected to be paid during the year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ExpectedFutureBenefitPaymentsCurrentYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfActiveEmployeesAged50AndOver">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of active employees aged 50 and over with post-retirement benefit plans where the entity subsidized the health insurance premiums.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfActiveEmployeesAged50AndOver</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfPostRetirementBenefitPlans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of post-retirement benefit plans sponsored by the company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfPostRetirementBenefitPlans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum amount employer will contribute per month to post-retiree for subsidizing the cost of health care insurance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount employer will contribute per month to post-retiree for subsidizing the cost of health care insurance.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_PostRetirementBenefitPlanHealthInsuranceSubsidyRangeMinimum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total of net gain (loss), prior service cost (credit), and transition assets (obligations), as well as minimum pension liability if still remaining, included in accumulated other comprehensive income associated with a defined benefit pension or other postretirement plan(s) because they have yet to be recognized as components of net periodic benefit cost.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossDefinedBenefitPensionAndOtherPostretirementPlansNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CompensationAndRetirementDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CompensationAndRetirementDisclosureAbstract</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This represents the entire liability recognized in the balance sheet that is associated with the defined benefit pension plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e2410-114920<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e2417-114920<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6410544&amp;loc=d3e1703-114919<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPensionPlanCurrentAndNoncurrentLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The employer's best estimate, as soon as it can be reasonably determined, of contributions expected to be paid to the plan in the current remaining fiscal period. Estimated contributions may be presented in the aggregate combining (1) contributions required by funding regulations or laws, (2) discretionary contributions, and (3) noncash contributions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlanEstimatedFutureEmployerContributionsInCurrentFiscalYear</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPlansGeneralInformation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>General information regarding defined benefit plans. A defined benefit pension plan is a plan that defines an amount of pension benefit to be provided, usually as a function of one or more factors such as age, years of service, or compensation. An other postretirement defined benefit plan is an arrangement that is mutually understood by an employer and its employees, whereby an employer undertakes to provide its employees with benefits other than pensions, after they retire in exchange for their services over a specified period of time, upon attaining a specified age while in service, or a combination of both. Any plan that is not a defined contribution plan is a defined benefit plan. General descriptive information about the employer's defined benefit plans, including employee groups covered, type of benefit formula, type of benefits, cost sharing arrangements, funding policy, types of assets held, and significant nonbenefit liabilities, if any. Also includes information pertaining to multiple employer plans, which are accounted for as single-employer plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Defined Benefit Pension Plan<br><br> -SubTopic 30<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510300<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Defined Benefit Postretirement Plan<br><br> -SubTopic 60<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6749240<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPlansGeneralInformation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedContributionPlanCostRecognized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the cost recognized during the period for defined contribution plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 70<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedContributionPlanCostRecognized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DescriptionOfDefinedContributionPensionAndOtherPostretirementPlans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of the terms and benefits provided by the employer's defined contribution plans. A defined contribution plan provides benefits in return for services rendered, provides an individual account for each participant, and has terms that specify how contributions to the individual's account are to be determined rather than the amount of benefits the individual is to receive. Under a defined contribution pension plan, the benefits a participant will receive depend solely on the amount contributed to the participant's account, the returns earned on investments of those contributions, and forfeitures of other participants' benefits that may be allocated to such participant's account. A description of the plan(s) including employee groups covered, the basis for determining contributions, and the nature and effects of significant matters affecting comparability of information for all periods presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Defined Contribution Postretirement Plan<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510416<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 70<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net transition asset or obligation recognized, before tax, as a reclassification adjustment of other comprehensive income as a result of being recognized as a component of net periodic benefit cost for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e709-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6962843&amp;loc=d3e1928-114920<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e689-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e716-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 4<br><br> -Subparagraph c, d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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                <p>For each annual statement of income presented, the tax effect of the net transition asset or obligation recognized as a reclassification adjustment of other comprehensive income as a result of being recognized as a component of net periodic benefit cost for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>The amount of pension and other (such as medical, dental and life insurance) postretirement benefit costs recognized during the period for (1) defined benefit plans (periodic benefit costs include the following components: service cost, interest cost, expected return on plan assets, gain (loss) on assets, prior service cost or credit, transition asset or obligation, and gain (loss) due to settlements or curtailments) and for (2) defined contribution plans (to the extent that a plan's defined contributions to an individual's account are to be made for periods in which that individual renders services, the net cost for a period is the contribution called for in that period; if a plan calls for contributions for periods after an individual retires or terminates, the estimated cost is accrued during the employee's service period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -SubTopic 70<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6414718&amp;loc=d3e28014-114942<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5, 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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          <div style="width: 200px;"><strong>Income Taxes (Details) (USD $)<br></strong></div>
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        <th class="th" colspan="8">3 Months Ended</th>
        <th class="th" colspan="3">12 Months Ended</th>
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        <th class="th">
          <div>Sep. 30, 2012</div>
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          <div>Jun. 30, 2012</div>
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          <div>Mar. 31, 2012</div>
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          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 2,828,000<span></span></td>
        <td class="nump">$ 3,450,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="num">(108,000)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations', window );">Federal income tax expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">3,131,000<span></span></td>
        <td class="nump">3,558,000<span></span></td>
        <td class="nump">3,845,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">240,000<span></span></td>
        <td class="nump">233,000<span></span></td>
        <td class="nump">233,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump">683,000<span></span></td>
        <td class="nump">944,000<span></span></td>
        <td class="nump">961,000<span></span></td>
        <td class="nump">783,000<span></span></td>
        <td class="nump">858,000<span></span></td>
        <td class="nump">868,000<span></span></td>
        <td class="nump">1,014,000<span></span></td>
        <td class="nump">1,051,000<span></span></td>
        <td class="nump">3,371,000<span></span></td>
        <td class="nump">3,791,000<span></span></td>
        <td class="nump">4,078,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsIncomeTaxReconciliationAbstract', window );"><strong>Reconciliation between US expected tax rate and actual tax expense</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate', window );">Expected tax expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">5,621,000<span></span></td>
        <td class="nump">5,654,000<span></span></td>
        <td class="nump">5,668,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxExemptIncome', window );">Non-taxable income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,096,000)<span></span></td>
        <td class="num">(1,794,000)<span></span></td>
        <td class="num">(1,527,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes', window );">State franchise tax, net of federal tax benefit</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">156,000<span></span></td>
        <td class="nump">152,000<span></span></td>
        <td class="nump">151,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxCredits', window );">Tax credits, net of amortization</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(414,000)<span></span></td>
        <td class="num">(383,000)<span></span></td>
        <td class="num">(345,000)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationOtherAdjustments', window );">Other</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">104,000<span></span></td>
        <td class="nump">162,000<span></span></td>
        <td class="nump">131,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump">683,000<span></span></td>
        <td class="nump">944,000<span></span></td>
        <td class="nump">961,000<span></span></td>
        <td class="nump">783,000<span></span></td>
        <td class="nump">858,000<span></span></td>
        <td class="nump">868,000<span></span></td>
        <td class="nump">1,014,000<span></span></td>
        <td class="nump">1,051,000<span></span></td>
        <td class="nump">3,371,000<span></span></td>
        <td class="nump">3,791,000<span></span></td>
        <td class="nump">4,078,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract', window );"><strong>Components of deferred tax assets and liabilities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses', window );">Allowance for loan losses</a></td>
        <td class="nump">4,375,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,550,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,375,000<span></span></td>
        <td class="nump">4,550,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DeferredTaxAssetsOtherRealEstateOwned', window );">Other real estate owned</a></td>
        <td class="nump">131,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">153,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">131,000<span></span></td>
        <td class="nump">153,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefitsAndPension', window );">Accrued pension and post-retirement</a></td>
        <td class="nump">1,412,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,293,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,412,000<span></span></td>
        <td class="nump">1,293,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross', window );">Unrealized loss on securities available for sale</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities', window );">Other than temporary impairment of securities available for sale</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsOther', window );">Other assets</a></td>
        <td class="nump">192,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">57,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">192,000<span></span></td>
        <td class="nump">57,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsNet', window );">Total deferred tax asset</a></td>
        <td class="nump">6,110,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,053,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,110,000<span></span></td>
        <td class="nump">6,053,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesFinancingArrangements', window );">Net deferred loan costs</a></td>
        <td class="num">(770,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(664,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(770,000)<span></span></td>
        <td class="num">(664,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment', window );">Depreciation</a></td>
        <td class="num">(2,326,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,236,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,326,000)<span></span></td>
        <td class="num">(2,236,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale', window );">Unrealized gain on securities available for sale</a></td>
        <td class="num">(4,275,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(3,985,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4,275,000)<span></span></td>
        <td class="num">(3,985,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights', window );">Mortgage servicing rights</a></td>
        <td class="num">(303,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(421,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(303,000)<span></span></td>
        <td class="num">(421,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets', window );">Core deposit intangible</a></td>
        <td class="num">(203,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(303,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(203,000)<span></span></td>
        <td class="num">(303,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_InvestmentInFlowThroughEntities', window );">Investment in flow through entities</a></td>
        <td class="num">(323,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(264,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(323,000)<span></span></td>
        <td class="num">(264,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_DeferredTaxPrepaidExpenses', window );">Prepaid expense</a></td>
        <td class="num">(422,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(528,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(422,000)<span></span></td>
        <td class="num">(528,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilitiesOther', window );">Other liabilities</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(2,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxLiabilities', window );">Total deferred tax liability</a></td>
        <td class="num">(8,622,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(8,403,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(8,622,000)<span></span></td>
        <td class="num">(8,403,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredTaxAssetsLiabilitiesNet', window );">Net deferred tax liability</a></td>
        <td class="num">(2,512,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,350,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,512,000)<span></span></td>
        <td class="num">(2,350,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LimitedPartnershipsAbstract', window );"><strong>Limited partnerships</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LimitedPartnershipsHeldAsInvestments', window );">Limited partnerships held as investments</a></td>
        <td class="nump">2<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationTaxCreditsInvestment', window );">Tax credits from investments in limited partnerships</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">636,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxReconciliationNondeductibleExpenseAmortization', window );">Amortization of investments in limited partnerships</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">476,000<span></span></td>
        <td class="nump">390,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LimitedPartnersCapitalAccount', window );">Carrying value of investments in limited partnerships</a></td>
        <td class="nump">1,546,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,022,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,546,000<span></span></td>
        <td class="nump">2,022,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount', window );">Total exposure to limited partnerships</a></td>
        <td class="nump">$ 5,046,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 5,522,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 5,046,000<span></span></td>
        <td class="nump">$ 5,522,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The tax effect as of the balance sheet date of the amount of the estimated future tax deductions, before any related valuation allowance, arising from impairment losses on available-for-sale securities which can only be deducted for tax purposes when the losses are realized, and which can only be realized if sufficient tax-basis income is generated in future periods to enable the deduction to be taken.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DeferredTaxAssetsImpairmentLossesOnAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DeferredTaxAssetsOtherRealEstateOwned">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The tax effect as of the balance sheet date of the amount of estimated future tax deductions arising from temporary differences related to other real estate owned which can only be deducted for tax purposes when the losses are realized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DeferredTaxAssetsOtherRealEstateOwned</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefitsAndPension">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The tax effect as of the balance sheet date of the amount of the estimated future tax deductions arising from post-retirement benefits and pension costs, which can only be deducted for tax purposes when actual costs are incurred, and which can only be realized if sufficient tax-basis income is generated in future periods to enable the deduction to be taken.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsPostretirementBenefitsAndPension</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DeferredTaxPrepaidExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deferred tax on prepaid expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DeferredTaxPrepaidExpenses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The tax effect as of the balance sheet date of the amount of the estimated future tax deductions, before any related valuation allowance, arising from unrealized losses on available-for-sale securities which can only be deducted for tax purposes when the losses are realized, and which can only be realized if sufficient tax-basis income is generated in future periods to enable the deduction to be taken.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_DeferredTaxUnrealizedGainOnSecuritiesAvailableForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_InvestmentInFlowThroughEntities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount related to deferred tax from investment in flow through entities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_InvestmentInFlowThroughEntities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The reporting entity's maximum amount of exposure to loss as a result of its involvement with the Limited Partnership (LP).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LimitedPartnershipEntityEntityMaximumLossExposureAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LimitedPartnershipsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LimitedPartnershipsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LimitedPartnershipsHeldAsInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of limited partnerships held as investments at period end.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LimitedPartnershipsHeldAsInvestments</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComponentsOfDeferredTaxAssetsAndLiabilitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CurrentFederalTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The component of income tax expense for the period representing amounts paid or payable (or refundable) as determined by applying the provisions of enacted federal tax law to the domestic taxable Income or Loss from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Paragraph Question 1-7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 289<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Current Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6509736<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CurrentFederalTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredFederalIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The component of total income tax expense for the period comprised of the increase (decrease) during the period in the entity's domestic deferred tax assets and liabilities attributable to continuing operations as determined by applying the provisions of the federally enacted tax law.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 8, 16, 17, 289<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredFederalIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsLiabilitiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For entities that net deferred tax assets and tax liabilities, represents the unclassified net amount of deferred tax assets and liabilities as of the balance sheet date, which result from applying the applicable enacted tax rate to net temporary differences and carryforwards pertaining to assets or liabilities. A temporary difference is a difference between the tax basis of an asset or liability and its carrying amount in the financial statements prepared in accordance with generally accepted accounting principles that will reverse in ensuing periods.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 42, 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsLiabilitiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate tax effects as of the balance sheet date of all future tax deductions arising from temporary differences between tax basis and generally accepted accounting principles basis recognition of assets, liabilities, revenues and expenses, which can only be deducted for tax purposes when permitted under enacted tax laws; net of deducting the allocated valuation allowance, if any, to reduce such amount to net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The tax effect as of the balance sheet date of the amount of estimated future tax deductions arising from other temporary differences not otherwise specified in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The tax effect as of the balance sheet date of the amount of the estimated future tax deductions arising from the provision for loan losses, which can only be deducted for tax purposes when actual loan losses are known, and which can only be realized if sufficient tax-basis income is generated in future periods to enable the deduction to be taken.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The tax effect as of the balance sheet date of the amount of the estimated future tax deductions, before any related valuation allowance, arising from unrealized losses on available-for-sale securities which can only be deducted for tax purposes when the losses are realized, and which can only be realized if sufficient tax-basis income is generated in future periods to enable the deduction to be taken.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of all deferred tax liabilities, which result from applying the applicable tax rate to net taxable temporary differences pertaining to each jurisdiction to which the entity is obligated to pay income tax. A taxable temporary difference is a difference between the tax basis and the carrying amount of an asset or liability in the financial statements prepared in accordance with generally accepted accounting principles that will result in taxable amounts in one or more future periods.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 42, 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907571&amp;loc=d3e31931-109318<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesFinancingArrangements">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount as of the balance sheet date of the estimated future tax effects attributable to differences between the methods used to account for financing arrangements for tax purposes and under generally accepted accounting principles which will increase future taxable income when such differences reverse.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesFinancingArrangements</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the estimated future tax effects attributable to the difference between the tax basis of intangible assets and the basis of intangible assets computed in accordance with generally accepted accounting principles. The difference in basis, whether due to amortization or other reasons, will increase future taxable income when such difference reverses. Intangible assets include, but are not limited to, assets such as patents, trademarks and customer lists.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesGoodwillAndIntangibleAssetsIntangibleAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesMortgageServicingRights">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount as of the balance sheet date of the estimated future tax effects attributable to the difference between the tax basis and the basis of capitalized servicing rights in accordance with generally accepted accounting principles.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesMortgageServicingRights</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the estimated future tax effects attributable to other temporary differences not otherwise specified in this taxonomy that were expensed for tax purposes but capitalized in conformity with generally accepted accounting principles, or which were recognized as revenue under GAAP but not for tax purposes, which will reverse in future periods.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph a, d, e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount as of the balance sheet date of the estimated future tax effects attributable to the difference between the tax basis of capital assets and the basis of capital assets computed in accordance with generally accepted accounting principles. The difference in basis, attributable to different capitalization of costs, depreciation, or amortization methodologies, will increase future taxable income when such basis difference is realized. Capital assets include but are not limited to assets such as land, real estate, leasehold improvements, machinery and equipment and furniture and fixtures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32621-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6969291&amp;loc=d3e28680-109314<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 11<br><br> -Subparagraph d, e, f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32632-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of domestic current and deferred income tax expense or benefit attributable to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32672-109319<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalIncomeTaxExpenseBenefitContinuingOperations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 2<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to the different amortization methods allowed under generally accepted accounting principles and enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the difference, between total income tax expense or benefit as reported in the Income Statement for the year/accounting period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations, that is attributable to all other items not otherwise listed in the existing taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the difference, between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations, that is attributable to state and local income tax expense or benefit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1<br><br> -Article 4<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the differences between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to tax credits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxReconciliationTaxCredits</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the difference between total income tax expense or benefit as reported in the Income Statement and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to investment tax credits generated or utilized under enacted tax laws during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the difference between total income tax expense or benefit as reported in the Income Statement for the period and the expected income tax expense or benefit computed by applying the domestic federal statutory income tax rates to pretax income from continuing operations attributable to income that is exempt from income taxes under enacted tax laws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32698-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32687-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxReconciliationTaxExemptIncome</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the limited partners' ownership interests.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 5<br><br> -Subparagraph (SAB TOPIC 4.F)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187171-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 272<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6373374&amp;loc=d3e70434-108055<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section F<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Practice Bulletin (PB)<br><br> -Number 14<br><br> -Paragraph 2, 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                    <td><nobr>us-gaap_LimitedPartnersCapitalAccount</nobr></td>
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                    <td>xbrli:monetaryItemType</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of state and local current and deferred income tax expense or benefit attributable to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a)-(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E3GAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Summary of Significant Accounting Policies (Policies)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Summary of Significant Accounting Policies [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConsolidationPolicyTextBlock', window );">Principles of Consolidation</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Principles of Consolidation</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The consolidated financial statements include the accounts of the Company and the Bank. All intercompany accounts and transactions have been eliminated in consolidation.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfSubsequentEventsTextBlock', window );">Subsequent Events</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Subsequent Events</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Events occurring subsequent to December 31, 2012, have been evaluated as to their potential impact to the financial statements.</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UseOfEstimates', window );">Use of Estimates in Preparation of Financial Statements</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Use of Estimates in Preparation of Financial Statements</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">In preparing the financial statements in accordance with accounting principles generally accepted in the United States of America, Management is required to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosures of contingent assets and liabilities as of the date of the balance sheet and revenues and expenses for the reporting period. Actual results could differ significantly from those estimates. Material estimates that are particularly susceptible to significant change in the near-term relate to the determination of the allowance for loan losses, goodwill, the valuation of mortgage servicing rights, and other-than-temporary impairment of securities.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketableSecuritiesPolicy', window );">Investment Securities</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Investment Securities</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Investment securities are classified as available for sale or held to maturity when purchased. There are no trading account securities. Securities available for sale consist primarily of debt securities which Management intends to hold for indefinite periods of time. They may be used as part of the Bank's funds management strategy, and may be sold in response to changes in interest rates or prepayment risk, changes in liquidity needs, or for other reasons. They are accounted for at fair value, with unrealized gains or losses adjusted through shareholders' equity, net of related income taxes. Securities to be held to maturity consist primarily of debt securities which Management has acquired solely for long-term investment purposes, rather than for purposes of trading or future sale. For securities to be held to maturity, Management has the intent and the Bank has the ability to hold such securities until their respective maturity dates. Such securities are carried at cost adjusted for the amortization of premiums and accretion of discounts. Investment securities transactions are accounted for on a settlement date basis; reported amounts would not be materially different from those accounted for on a trade date basis. Gains and losses on the sales of investment securities are determined using the amortized cost of the security. For declines in the fair value of individual debt securities available for sale below their cost that are deemed to be other than temporary, where the Company does not intend to sell the security and it is more likely than not that the Company will not be required to sell the security before recovery of its amortized cost basis, the other-than-temporary decline in the fair value of the debt security related to 1) credit loss is recognized in earnings and 2) other factors is recognized in other comprehensive income or loss. Credit loss is deemed to exist if the present value of expected future cash flows using the effective rate at acquisition is less than the amortized cost basis of the debt security. For individual debt securities where the Company intends to sell the security or more likely than not will be required to sell the security before recovery of its amortized cost, the other-than-temporary impairment is recognized in earnings equal to the entire difference between the security's cost basis and its fair value at the balance sheet date.</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy', window );">Loans Held for Sale</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loans Held for Sale</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans held for sale consist of residential real estate mortgage loans and are carried at the lower of aggregate cost or market value, as determined by current investor yield requirements.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy', window );">Loans</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loans</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans are generally reported at their outstanding principal balances, adjusted for chargeoffs, the allowance for loan losses and any deferred fees or costs to originate loans. Loan commitments are recorded when funded.</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy', window );">Loan Fees and Costs</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loan Fees and Costs</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loan origination fees and certain direct loan origination costs are deferred and recognized in interest income as an adjustment to the loan yield over the life of the related loans. The unamortized net deferred fees and costs are included on the balance sheets with the related loan balances, and the amortization is included with the related interest income.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy', window );">Allowance for Loan Losses</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Allowance for Loan Losses</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans considered to be uncollectible are charged against the allowance for loan losses. The allowance for loan losses is maintained at a level determined by Management to be appropriate to absorb probable losses. This allowance is increased by provisions charged to operating expenses and recoveries on loans previously charged off. Arriving at an appropriate level of allowance for loan losses necessarily involves a high degree of judgment. In determining the appropriate level of allowance for loan losses, Management takes into consideration several factors, including reviews of individual non-performing loans and performing loans listed on the watch report requiring periodic evaluation, loan portfolio size by category, recent loss experience, delinquency trends and current economic conditions. For all loan classes, loans over 30 days past due are considered delinquent. Impaired loans include restructured loans and loans placed on non-accrual status when, based on current information and events, it is probable that the Bank will be unable to collect all amounts due according to the contractual terms of the loan agreement. These loans are measured at the present value of expected future cash flows discounted at the loan's effective interest rate or at the fair value of the collateral if the loan is collateral dependent. Management takes into consideration impaired loans in addition to the above mentioned factors in determining the appropriate level of allowance for loan losses.</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TroubledDebtRestructuredTextBlock', window );">Troubled Debt Restructured [Text Block]</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Troubled Debt Restructured</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">A troubled debt restructured ("TDR") constitutes a restructuring of debt if the Bank, for economic or legal reasons related to the borrower's financial difficulties, grants a concession to the borrower that it would not otherwise consider. To determine whether or not a loan should be classified as a TDR, Management evaluates a loan to first determine if the borrower demonstrates financial difficulty. Common indicators of this include past due status with bank obligations, substandard credit bureau reports, or an inability to refinance with another lender. If the borrower is experiencing financial difficulty and concessions are granted, such as maturity date extension, interest rate adjustments to below market pricing, or a deferment of payments, the loan will generally be classified as a TDR.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock', window );">Goodwill and Identified Intangible Assets</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Goodwill and Identified Intangible Assets</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Intangible assets include the excess of the purchase price over the fair value of net assets acquired (goodwill) from the acquisition of FNB Bankshares in 2005 as well as the core deposit intangible related to the same acquisition. The core deposit intangible is amortized on a straight-line basis over ten years. Annual amortization expense for 2012, 2011 and 2010 was $283,000 and the amortization expense for each year until fully amortized will be $283,000. Intangible assets also include the goodwill and core deposit intangible from the 2012 acquisition of a bank branch in Rockland, Maine and a bank building in Bangor, Maine. The core deposit intangible will be amortized on a straight-line basis over ten years. Annual amortization expense for each year until fully amortized will be $43,000. The straight-line basis is used because the Company does not expect significant run off in the core deposits acquired. The Company annually evaluates goodwill, and periodically evaluates other intangible assets for impairment on the basis of whether these assets are fully recoverable from projected, undiscounted net cash flows of the acquired company. At December 31, 2012, the Company determined goodwill and other intangible assets were not impaired.</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxPolicyTextBlock', window );">Income Taxes</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Income Taxes</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Deferred tax assets and liabilities are recognized for the future tax consequences attributable to differences between financial statement carrying amounts of assets and liabilities and their respective tax bases. Deferred tax assets and liabilities are measured using enacted tax rates expected to apply to taxable income in the years in which those temporary differences are expected to be recovered or settled. The effect of a change in tax rates on deferred tax assets and liabilities is recognized in income in the period the change is enacted.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AccrualOfInterestIncomeAndExpensePolicyTextBlock', window );">Accrual of Interest Income and Expense</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Accrual of Interest Income and Expense</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest on loans and investment securities is taken into income using methods which relate the income earned to the balances of loans and investment securities outstanding. Interest expense on liabilities is derived by applying applicable interest rates to principal amounts outstanding. For all classes of loans, recording of interest income on problem loans, which includes impaired loans, ceases when collectibility of principal and interest within a reasonable period of time becomes doubtful. Cash payments received on non-accrual loans, which includes impaired loans, are applied to reduce the loan's principal balance until the remaining principal balance is deemed collectible, after which interest is recognized when collected. As a general rule, a loan may be restored to accrual status when payments are current for a substantial period of time, generally six months, and repayment of the remaining contractual amounts is expected or when it otherwise becomes well secured and in the process of collection.</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock', window );">Premises and Equipment</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Premises and Equipment</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Premises, furniture and equipment are stated at cost, less accumulated depreciation. Depreciation expense is computed by straight-line and accelerated methods over the asset's estimated useful life.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy', window );">Other Real Estate Owned (OREO)</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Other Real Estate Owned (OREO)</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Real estate acquired by foreclosure or deed in lieu of foreclosure is transferred to OREO and recorded at fair value, less estimated costs to sell, based on appraised value at the date actually or constructively received. Loan losses arising from the acquisition of such property are charged against the allowance for loan losses. Subsequent provisions to reduce the carrying value of a property are recorded to the allowance for OREO losses and a charge to operations on a specific property basis.</div></div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerSharePolicyTextBlock', window );">Earnings Per Share</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Earnings Per Share</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Basic earnings per share data are based on the weighted average number of common shares outstanding during each year. Diluted earnings per share gives effect to restricted stock granted and stock options and warrants outstanding, determined by the treasury stock method.</div></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PostemploymentBenefitPlansPolicy', window );">Post-Retirement Benefits</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Post-Retirement Benefits</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The cost of providing post-retirement benefits is accrued during the active service period of the employee or director.</div></div><span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ComprehensiveIncomeTextBlock', window );">Comprehensive Income [Text Block]</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Comprehensive Income</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Comprehensive income includes net income and other comprehensive income (loss), which is comprised of the change in unrealized gains and losses on securities available for sale, net of tax, and unrecognized gains and loss related to post-retirement benefit costs, net of tax.</div></div><span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingPolicyPolicyTextBlock', window );">Segments</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Segments</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The First Bancorp, Inc., through the branches of its subsidiary, The First, N.A., provides a broad range of financial services to individuals and companies in coastal Maine. These services include demand, time, and savings deposits; lending; ATM processing; and investment management and trust services. Operations are managed and financial performance is evaluated on a corporate-wide basis. Accordingly, all of the Company's banking operations are considered by Management to be aggregated in one reportable operating segment.</div></div><span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock', window );">Loan Servicing</a></td>
        <td class="text"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loan Servicing</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Servicing rights are recognized when they are acquired through sale of loans. Capitalized servicing rights are reported in other assets and are amortized into non-interest income in proportion to, and over the period of, the estimated future net servicing income of the underlying financial assets. Servicing rights are evaluated for impairment based upon the fair value of the rights as compared to amortized cost. Impairment is determined by stratifying rights by predominant characteristics, such as interest rates and terms. Impairment is recognized through a valuation allowance for an individual stratum, to the extent that fair value is less than the capitalized amount for the stratum.</div></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for recognizing interest income and expense, including the method of accrual of income and expense on loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Policy definition for Comprehensive Income.</p>
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                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for determining the reporting status of a loan as troubled debt restructured.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy regarding (1) the principles it follows in consolidating or combining the separate financial statements, including the principles followed in determining the inclusion or exclusion of subsidiaries or other entities in the consolidated or combined financial statements and (2) its treatment of interests (for example, common stock, a partnership interest or other means of exerting influence) in other entities, for example consolidation or use of the equity or cost methods of accounting.  The accounting policy may also address the accounting treatment for intercompany accounts and transactions, noncontrolling interest, and the income statement treatment in consolidation for issuances of stock by a subsidiary.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 2-6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 3A<br><br> -Section 02, 03<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197480<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 18<br><br> -Paragraph 20<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 97-2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 96-16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 46R<br><br> -Paragraph 4<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 46R<br><br> -Paragraph 4<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.3A-02)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959686&amp;loc=d3e355033-122828<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 46R<br><br> -Paragraph 14, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph k<br><br> -Article 1<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 325<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197087<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 40<br><br> -Section 45<br><br> -URI http://asc.fasb.org/section&amp;trid=2197723<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196966<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 18<br><br> -Paragraph 5, 6, 16-19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144384<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3630-109257<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 6, 8-16, 60<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for those finance, loan and lease receivables classified as held for sale. This disclosure may include how the entity determines when to classify a loan or receivable as held for sale, the basis at which such receivables are carried in the entity's statements of financial position, how such receivables are valued, the method used to determine the lower of cost or fair value (that is, on an aggregate or individual asset basis), the treatment of commitment and other fees and origination costs, and how transfers to and from the held for investment portfolio are accounted for.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5033-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 65<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5144-111524<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5093-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinanceLoansAndLeasesReceivablePolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for finance, loan and lease receivables, including those held for investment and those held for sale. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition (revenues, expenses and gains and losses arising from committing to issue, issuing, granting, collecting, terminating, modifying and holding loans) policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10133-111534<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (b,d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 22<br><br> -Paragraph 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5093-111524<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5144-111524<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3-5<br><br> -Article 5<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinanceLoansAndLeasesReceivablePolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Period Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144471<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144439<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 7-18, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 4, 11-23, 26, 34<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 954<br><br> -SubTopic 740<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6491622&amp;loc=d3e9504-115650<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144681<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 6-34, 43, 47, 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32809-109319<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 4<br><br> -Paragraph 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907571&amp;loc=d3e32280-109318<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 48<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2144749<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907571&amp;loc=d3e32247-109318<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32840-109319<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxPolicyTextBlock</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5144-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of the accounting policy for recognizing income earned net of related expenses incurred. Describes the fees to be received net of related costs pertaining to lending activities, including acquiring loans, issuing commitments to lend or participating in a loan syndication.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 92-5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 23<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 21<br><br> -Paragraph 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5033-111524<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph a(4)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10178-111534<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableOriginationFeesDiscountsOrPremiumsAndDirectCostsToAcquireLoansPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of the accounting policy for reporting real estate acquired by the entity through exercise of a right to purchase the property securing a borrowing, usually at auction, after the borrower has defaulted.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 15<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableRealEstateAcquiredThroughForeclosurePolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketableSecuritiesPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for investments in debt and equity securities that have readily determinable fair values (marketable securities). At a minimum, the disclosure might address accounting policies for investments classified as trading, available for sale, or held to maturity and may include how the entity determines whether impairments of available for sale or held to maturity investments are other than temporary, how the fair values of the entity's securities are determined, and the entity's accounting treatment for transfers between investment categories.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196929<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 10, 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 7-16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 5<br><br> -Section M<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62652-112803<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7, 8, 9, 13, 14, 15, 16, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 2, 12<br><br> -Article 5<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketableSecuritiesPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PostemploymentBenefitPlansPolicy">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for postemployment benefits. Postemployment benefits are benefits provided to former or inactive employees, their beneficiaries, and covered dependents after employment but before retirement, except for: a) benefits provided through a pension or postretirement benefit plan, b) individual deferred compensation arrangements, c) special or contractual termination benefits, and d) stock compensation plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 112<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 712<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197447<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PostemploymentBenefitPlansPolicy</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for property, plant and equipment which may include the basis of such assets, depreciation methods used and estimated useful lives, the entity's capitalization policy, including its accounting treatment for costs incurred for repairs and maintenance activities, whether such asset balances include capitalized interest and the method by which such is calculated, how disposals of such assets are accounted for and how impairment of such assets is assessed and recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 13<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 22<br><br> -Paragraph 12, 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2155824<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 7<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 9<br><br> -Section C<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentPolicyTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfSubsequentEventsTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, losses resulting from fire or flood, losses on receivables, significant realized and unrealized gains and losses that result from changes in quoted market prices of securities, declines in market prices of inventory, changes in authorized or issued debt (SEC), significant foreign exchange rate changes, substantial loans to insiders or affiliates, significant long-term investments, and substantial dividends not in the ordinary course of business.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 11<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Topic 855<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Name Accounting Standards Codification<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6842918&amp;loc=SL6314017-165662<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfSubsequentEventsTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingPolicyPolicyTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for segment reporting.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for transfers and servicing financial assets, including securitization transactions as well as repurchase and resale agreements. This disclosure may include how the entity (1) determines whether a transaction is accounted for as a sale; (2) accounts for a sale transaction, including the initial and subsequent accounting for any interests that the entity obtains or continues to hold in the transaction, how such interests are valued, and the significant assumptions used in the valuation; (3) accounts for a transaction that does not qualify for sale treatment (that is, a financing); and (4) accounts for its servicing assets and liabilities ("servicing"), including how such servicing is measured initially and subsequently, and the methodology and significant assumptions used to value such servicing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197591<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6942082&amp;loc=d3e107207-111719<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122739-111746<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph e, f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197663<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122625-111746<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph B6-B12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 9-15, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6862952&amp;loc=d3e113969-111729<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197627<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 41<br><br> -Paragraph 3<br><br> -Subparagraph a, b, c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6942082&amp;loc=d3e107314-111719<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197735<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15029-111544<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122596-111746<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 275<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6061-108592<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 94-6<br><br> -Paragraph 11, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 275<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6143-108592<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 275<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6132-108592<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Other Operating Income and Expense (Tables)<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Other operating income and other operating expense include the following items greater than 1% of revenues.</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For the years ended December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Employee Benefit Plans<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GeneralDiscussionOfPensionAndOtherPostretirementBenefitsAbstract', window );"><strong>Employee Benefit Plans [Abstract]</strong></a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">Employee Benefit Plans</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 13. Employee Benefit Plans</u></div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">401(k) Plan</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank has a defined contribution plan available to substantially all employees who have completed three months of service. Employees may contribute up to IRS-determined limits and the Bank may provide a match to employee contributions not to exceed 3.0% of compensation depending on contribution level. Subject to a vote of the Board of Directors, the Bank may also make a profit-sharing contribution to the Plan. Such contribution equaled 2.0% of each eligible employee's compensation in 2012, 2011, and 2010. The expense related to the 401(k) plan was $363,000, $341,000, and $362,000 in 2012, 2011, and 2010, respectively.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Supplemental Retirement Plan</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank also provides unfunded, non-qualified supplemental retirement benefits for certain officers, payable in installments over 20 years upon retirement or death. The agreements consist of individual contracts with differing characteristics that, when taken together, do not constitute a post-retirement plan. The costs for these benefits are recognized over the service periods of the participating officers in accordance with FASB ASC Topic 712, "Compensation &#8211; Nonretirement Postemployment Benefits". The expense of these supplemental plans was $289,000 in 2012, $307,000 in 2011, and $230,000 in 2010. As of December 31, 2012 and 2011, the accrued liability of these plans was $2,080,000 and $1,847,000, respectively.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Post-Retirement Benefit Plans</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank sponsors two post-retirement benefit plans. One plan currently provides a subsidy for health insurance premiums to certain retired employees and a future subsidy for seven active employees who were age 50 and over in 1996. These subsidies are based on years of service and range between $40 and $1,200 per month per person. The other plan provides life insurance coverage to certain retired employees. The Bank also provides health insurance for retired directors. 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font-size: 10pt; font-weight: bold;">(87,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(73,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Change in unrecognized postretirement benefits</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(57,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(22,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Related deferred taxes</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">21,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">8,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unrecognized postretirement benefits at end of period</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">(123,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">)</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(87,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for pension and other postretirement benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS106-2<br><br> -Paragraph 20, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Implementation Guide (Q and A)<br><br> -Number FAS88<br><br> -Paragraph 63<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 30<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-2<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 8<br><br> -Subparagraph m<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk [Abstract]</strong></a></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 18. Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank is party to financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to originate loans, commitments for unused lines of credit, and standby letters of credit. The instruments involve, to varying degrees, elements of credit risk in excess of the amount recognized in the consolidated balance sheets. The contract amounts of those instruments reflect the extent of involvement the Bank has in particular classes of financial instruments.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Commitments for unused lines are agreements to lend to a customer provided there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments are expected to expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer's creditworthiness on a case-by-case basis. The amount of collateral obtained, if deemed necessary by the Bank upon extension of credit, is based on Management's credit evaluation of the borrower. The Bank did not incur any losses on its commitments in 2012, 2011 or 2010.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Standby letters of credit are conditional commitments issued by the Bank to guarantee a customer's performance to a third party, with the customer being obligated to repay (with interest) any amounts paid out by the Bank under the letter of credit. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loans to customers.</div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank's exposure to credit loss in the event of nonperformance by the other party to the financial instrument for loan commitments and standby letters of credit is represented by the contractual amount of those instruments.</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments.</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;At December 31, 2012 and 2011, the Bank had the following off-balance-sheet financial instruments, whose contract amounts represent credit risk:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unused lines, collateralized by residential real estate</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">56,420,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">59,427,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Other unused commitments</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">45,747,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">39,313,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Standby letters of credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; 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Collateral on these loans typically consists of residential or commercial real estate, or personal property. Although the loan portfolio is diversified, a substantial portion of borrowers' ability to honor their contracts is dependent on the economic conditions in the area, especially in the real estate sector.</div></div><span></span></td>
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                <p>The entire disclosure for commitments and contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 14<br><br> -Paragraph 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Off-Balance-Sheet Financial Instruments and Concentrations of Credit Risk (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;At December 31, 2012 and 2011, the Bank had the following off-balance-sheet financial instruments, whose contract amounts represent credit risk:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2012</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2011</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Unused lines, collateralized by residential real estate</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">56,420,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">59,427,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Other unused commitments</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">45,747,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">39,313,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Standby letters of credit</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">2,700,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,177,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Commitments to extend credit</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">6,245,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,551,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">111,112,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">113,468,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; 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                <p>Tabular disclosure of the nature and terms of the financial instruments with off-balance sheet risk.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
      <tr>
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          <div style="width: 200px;"><strong>Acquisitions and Intangible Assets (Tables)<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessCombinationsAbstract', window );"><strong>Acquisitions and Intangible Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock', window );">Schedule of business acquisitions</a></td>
        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">On October 26, 2012, the Bank completed the purchase of a branch at 63 Union Street in Rockland, Maine, from Camden National Bank that was formerly operated by Bank of America. As part of the transaction, the Bank acquired approximately $32.3 million in deposits as well as a small volume of loans. On the same date, the Bank completed the purchase of a full-service bank building at 145 Exchange Street in Bangor, Maine, also from Camden National Bank, and opened a full-service branch in this building in February of 2013. The acquisition allows the Bank to expand its community banking franchise into eastern Maine and expand its presence in Rockland, Maine. The acquisition-date estimated fair values of assets acquired and liabilities assumed in Rockland and Bangor were as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Assets</div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Cash</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">25,297,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">224,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Bank premises and equipment</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">3,776,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accrued interest receivable and other assets</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">24,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Core deposit intangible</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">432,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Goodwill</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,121,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Liabilities</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Deposits</div></td><td valign="bottom" style="width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">31,858,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: middle;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accrued interest and other liabilities</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: middle;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">16,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: middle;">&#160;</td></tr></table></div></div><span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsAcquiredAsPartOfBusinessCombinationTextBlock', window );">Schedule of finite-lived intangible assets acquired as part of business combination</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The purchase premium of $2,553,000 was allocated to assets acquired and liabilities assumed based on estimates of fair value at the date of acquisition. The fair value of the deposit accounts assumed was compared to the carrying amounts received and the difference of $432,000 was recorded as core deposit intangible. The core deposit intangible is subject to amortization over the estimated ten-year average life of the acquired core deposit base and will be evaluated for impairment periodically. The amortization expense will be included in other noninterest expense in the consolidated statements of income and comprehensive income and is deductible for tax purposes. As of December 31, 2012, the amortization expense related to the core deposit intangible, absent any future impairment, is expected to be as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2013</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2014</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2015</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2016</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2017</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">43,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Thereafter</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">217,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Total</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">432,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div></div><span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BusinessAcquisitionProFormaInformationTextBlock', window );">Business acquisition, pro forma information</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">One-time costs associated with the acquisition that were recognized by the Company and included in the consolidated statements of income and comprehensive income for 2012 were $251,000. The amounts of revenue and expenses related to the Rockland branch since the October 26, 2012 acquisition date are included in the consolidated statements of income of the Company as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Interest expense</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">21,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(19,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Non-interest income</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">36,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Non-interest expense</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">55,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loss before taxes</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(38,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Tax benefit</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(13,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 88%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Net loss</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">(25,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">)</div></td></tr></table></div><div><br /></div></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of pro forma results of operations for a material business acquisition or series of individually immaterial business acquisitions that are material in the aggregate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(2)-(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1392-128463<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 54<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 55<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 68<br><br> -Subparagraph r(2, 3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                <p>Tabular disclosure of a material business combination completed during the period, including background, timing, and recognized assets and liabilities. This table  does not include leveraged buyouts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Appendix F<br><br> -Paragraph F4<br><br> -Subparagraph e<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1392-128463<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 51<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909870&amp;loc=d3e1486-128463<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141<br><br> -Paragraph 52<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 68<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>Tabular disclosure of finite-lived intangible assets acquired as part of a business combination, by major class (assets that can be grouped together because they are similar, either by their nature or by their use in operations of the entity) and in total, including the value of the asset acquired, any significant residual value (the expected value of the asset at the end of its useful life) and the weighted-average amortization period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 44<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16265-109275<br><br><br><br></p>
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          <div style="width: 200px;"><strong>Consolidated Statements of Income (Audited) (Parenthetical) (USD $)<br></strong></div>
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                <p>Interest income and fees derived from loans which are exempt from federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from securities which are exempt from federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
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                <p>For each annual statement of income presented, the tax effect of the net transition asset or obligation recognized as a reclassification adjustment of other comprehensive income as a result of being recognized as a component of net periodic benefit cost for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>Tax effect on gross appreciation or the gross loss in value of the total of unsold securities during the period being reported on.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Cash and Cash Equivalents<br></strong></div>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NotesToFinancialStatementsAbstract', window );"><strong>Notes to Financial Statements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsDisclosureTextBlock', window );">Cash and Cash Equivalents</a></td>
        <td class="text"><div><div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 2. Cash and Cash Equivalents</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">For the purposes of reporting consolidated cash flows, cash and cash equivalents include cash on hand, amounts due from banks and federal funds sold. At December 31, 2012 the Company had a contractual clearing balance of $500,000 and a reserve balance requirement of $882,000 at the Federal Reserve Bank, which are satisfied by both cash on hand at branches and balances held at the Federal Reserve Bank of Boston. The Company maintains a portion of its cash in bank deposit accounts which, at times, may exceed federally insured limits. The Company has not experienced any losses in such accounts. The Company believes it is not exposed to any significant risk with respect to these accounts.</div></div></div></div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                <p>The entire disclosure for cash and cash equivalent footnotes,  which may include the types of deposits and money market instruments, applicable carrying amounts, restricted amounts and compensating balance arrangements. Cash and equivalents include: (1) currency on hand (2) demand deposits with banks or financial institutions (3) other kinds of accounts that have the general characteristics of demand deposits (4) short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments maturing within three months from the date of acquisition qualify.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4273-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9, 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 6.H.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13728-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section H<br><br> -Subsection 3<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EVYBO">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loans (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">100.00%<span></span></td>
        <td class="nump">100.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">$ 869,284,000<span></span></td>
        <td class="nump">$ 864,988,000<span></span></td>
        <td class="nump">$ 887,596,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDeferredIncome', window );">Net deferred loan costs included in loan balances</a></td>
        <td class="nump">1,783,000<span></span></td>
        <td class="nump">1,386,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged', window );">Loans used to collateralize borrowings from the Federal Home Loan Bank of Boston</a></td>
        <td class="nump">256,378,000<span></span></td>
        <td class="nump">211,597,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansPledgedAsCollateral', window );">Commercial, construction and home equity loans used to collateralize unused line of credit at the Federal Reserve Bank of Boston</a></td>
        <td class="nump">220,520,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans', window );">Interest income which would have been recognized on these loans, if interest had been accrued</a></td>
        <td class="nump">1,158,000<span></span></td>
        <td class="nump">1,052,000<span></span></td>
        <td class="nump">1,334,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">6,089,000<span></span></td>
        <td class="nump">4,675,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">1,878,000<span></span></td>
        <td class="nump">3,944,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">15,200,000<span></span></td>
        <td class="nump">17,978,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">23,167,000<span></span></td>
        <td class="nump">26,597,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">846,117,000<span></span></td>
        <td class="nump">838,391,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">869,284,000<span></span></td>
        <td class="nump">864,988,000<span></span></td>
        <td class="nump">887,596,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">1,051,000<span></span></td>
        <td class="nump">1,170,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">19,150,000<span></span></td>
        <td class="nump">27,806,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">45,019,000<span></span></td>
        <td class="nump">28,777,000<span></span></td>
        <td class="nump">25,836,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income recognized on impaired loans, all on cash basis</a></td>
        <td class="nump">1,039,000<span></span></td>
        <td class="nump">598,000<span></span></td>
        <td class="nump">143,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">45,744,000<span></span></td>
        <td class="nump">42,120,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">49,542,000<span></span></td>
        <td class="nump">42,120,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">3,539,000<span></span></td>
        <td class="nump">2,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">45,019,000<span></span></td>
        <td class="nump">28,777,000<span></span></td>
        <td class="nump">25,836,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">1,039,000<span></span></td>
        <td class="nump">598,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">45,744,000<span></span></td>
        <td class="nump">42,120,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ImpairedFinancingReceivableWithNoAllowance', window );">Less portion for which no allowance for loan losses is allocated</a></td>
        <td class="num">(28,282,000)<span></span></td>
        <td class="num">(27,897,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ImpairedFinancingReceivableWithAllowance', window );">Impaired Financing Receivable With Allowance</a></td>
        <td class="nump">17,462,000<span></span></td>
        <td class="nump">14,223,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">3,539,000<span></span></td>
        <td class="nump">2,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedPartyLoanReceivable', window );">Balance at beginning of year</a></td>
        <td class="nump">24,551,000<span></span></td>
        <td class="nump">25,525,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions', window );">New loans</a></td>
        <td class="nump">275,000<span></span></td>
        <td class="nump">237,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections', window );">Repayments</a></td>
        <td class="num">(9,909,000)<span></span></td>
        <td class="num">(1,211,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_RelatedPartyLoanReceivable', window );">Balance at end of year</a></td>
        <td class="nump">14,917,000<span></span></td>
        <td class="nump">24,551,000<span></span></td>
        <td class="nump">25,525,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">26,837,000<span></span></td>
        <td class="nump">19,341,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">28,282,000<span></span></td>
        <td class="nump">27,897,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">31,303,000<span></span></td>
        <td class="nump">27,897,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">26,837,000<span></span></td>
        <td class="nump">19,341,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">468,000<span></span></td>
        <td class="nump">248,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">28,282,000<span></span></td>
        <td class="nump">27,897,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">18,182,000<span></span></td>
        <td class="nump">9,436,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">17,462,000<span></span></td>
        <td class="nump">14,223,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">18,239,000<span></span></td>
        <td class="nump">14,223,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">3,539,000<span></span></td>
        <td class="nump">2,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">18,182,000<span></span></td>
        <td class="nump">9,436,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">571,000<span></span></td>
        <td class="nump">350,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">17,462,000<span></span></td>
        <td class="nump">14,223,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">3,539,000<span></span></td>
        <td class="nump">2,058,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">28.90%<span></span></td>
        <td class="nump">29.50%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">251,335,000<span></span></td>
        <td class="nump">255,424,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">2,172,000<span></span></td>
        <td class="nump">1,367,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">346,000<span></span></td>
        <td class="nump">1,505,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">2,380,000<span></span></td>
        <td class="nump">3,992,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">4,898,000<span></span></td>
        <td class="nump">6,864,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">246,437,000<span></span></td>
        <td class="nump">248,560,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">251,335,000<span></span></td>
        <td class="nump">255,424,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">102,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">4,603,000<span></span></td>
        <td class="nump">7,064,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">14,716,000<span></span></td>
        <td class="nump">7,519,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">15,774,000<span></span></td>
        <td class="nump">10,141,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">16,981,000<span></span></td>
        <td class="nump">10,141,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">14,716,000<span></span></td>
        <td class="nump">7,519,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">410,000<span></span></td>
        <td class="nump">126,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">15,774,000<span></span></td>
        <td class="nump">10,141,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">10,102,000<span></span></td>
        <td class="nump">5,212,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">9,386,000<span></span></td>
        <td class="nump">5,584,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">9,963,000<span></span></td>
        <td class="nump">5,584,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">10,102,000<span></span></td>
        <td class="nump">5,212,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">199,000<span></span></td>
        <td class="nump">23,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">9,386,000<span></span></td>
        <td class="nump">5,584,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Real Estate [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">4,614,000<span></span></td>
        <td class="nump">2,307,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">6,388,000<span></span></td>
        <td class="nump">4,557,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">7,018,000<span></span></td>
        <td class="nump">4,557,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">4,614,000<span></span></td>
        <td class="nump">2,307,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">211,000<span></span></td>
        <td class="nump">103,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">6,388,000<span></span></td>
        <td class="nump">4,557,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">1,523,000<span></span></td>
        <td class="nump">808,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">2.60%<span></span></td>
        <td class="nump">3.80%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">22,417,000<span></span></td>
        <td class="nump">32,574,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">29,000<span></span></td>
        <td class="nump">174,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">35,000<span></span></td>
        <td class="nump">1,603,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">64,000<span></span></td>
        <td class="nump">1,777,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">22,353,000<span></span></td>
        <td class="nump">30,797,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">22,417,000<span></span></td>
        <td class="nump">32,574,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">101,000<span></span></td>
        <td class="nump">2,350,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">4,349,000<span></span></td>
        <td class="nump">1,318,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">3,354,000<span></span></td>
        <td class="nump">5,702,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">3,368,000<span></span></td>
        <td class="nump">5,702,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">4,349,000<span></span></td>
        <td class="nump">1,318,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">85,000<span></span></td>
        <td class="nump">143,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">3,354,000<span></span></td>
        <td class="nump">5,702,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">2,533,000<span></span></td>
        <td class="nump">1,072,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">101,000<span></span></td>
        <td class="nump">5,172,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">115,000<span></span></td>
        <td class="nump">5,172,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">2,533,000<span></span></td>
        <td class="nump">1,072,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">143,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">101,000<span></span></td>
        <td class="nump">5,172,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Construction [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">1,816,000<span></span></td>
        <td class="nump">247,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">3,253,000<span></span></td>
        <td class="nump">530,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">3,253,000<span></span></td>
        <td class="nump">530,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">1,816,000<span></span></td>
        <td class="nump">247,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">85,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">3,253,000<span></span></td>
        <td class="nump">530,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">969,000<span></span></td>
        <td class="nump">33,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">9.30%<span></span></td>
        <td class="nump">10.10%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">81,183,000<span></span></td>
        <td class="nump">86,982,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">658,000<span></span></td>
        <td class="nump">665,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">218,000<span></span></td>
        <td class="nump">766,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">2,306,000<span></span></td>
        <td class="nump">1,192,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">3,182,000<span></span></td>
        <td class="nump">2,623,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">78,001,000<span></span></td>
        <td class="nump">84,359,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">81,183,000<span></span></td>
        <td class="nump">86,982,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">2,000<span></span></td>
        <td class="nump">52,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">3,459,000<span></span></td>
        <td class="nump">5,784,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">4,851,000<span></span></td>
        <td class="nump">2,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">5,861,000<span></span></td>
        <td class="nump">7,042,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">6,471,000<span></span></td>
        <td class="nump">7,042,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">4,851,000<span></span></td>
        <td class="nump">2,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">91,000<span></span></td>
        <td class="nump">47,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">5,861,000<span></span></td>
        <td class="nump">7,042,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">2,877,000<span></span></td>
        <td class="nump">1,918,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">4,737,000<span></span></td>
        <td class="nump">6,022,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">5,345,000<span></span></td>
        <td class="nump">6,022,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">2,877,000<span></span></td>
        <td class="nump">1,918,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">53,000<span></span></td>
        <td class="nump">28,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">4,737,000<span></span></td>
        <td class="nump">6,022,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Commercial Other [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">1,974,000<span></span></td>
        <td class="nump">681,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">1,124,000<span></span></td>
        <td class="nump">1,020,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">1,126,000<span></span></td>
        <td class="nump">1,020,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">1,974,000<span></span></td>
        <td class="nump">681,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">38,000<span></span></td>
        <td class="nump">19,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">1,124,000<span></span></td>
        <td class="nump">1,020,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">652,000<span></span></td>
        <td class="nump">402,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">1.70%<span></span></td>
        <td class="nump">1.90%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">14,704,000<span></span></td>
        <td class="nump">16,221,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">136,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">136,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">14,568,000<span></span></td>
        <td class="nump">16,221,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">14,704,000<span></span></td>
        <td class="nump">16,221,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Municipal [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">43.70%<span></span></td>
        <td class="nump">39.50%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">379,447,000<span></span></td>
        <td class="nump">341,286,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">2,404,000<span></span></td>
        <td class="nump">1,933,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">1,082,000<span></span></td>
        <td class="nump">1,398,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">9,298,000<span></span></td>
        <td class="nump">8,843,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">12,784,000<span></span></td>
        <td class="nump">12,174,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">366,663,000<span></span></td>
        <td class="nump">329,112,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">379,447,000<span></span></td>
        <td class="nump">341,286,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">363,000<span></span></td>
        <td class="nump">1,118,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">10,333,000<span></span></td>
        <td class="nump">10,194,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">18,867,000<span></span></td>
        <td class="nump">15,121,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">19,444,000<span></span></td>
        <td class="nump">16,821,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">21,282,000<span></span></td>
        <td class="nump">16,821,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">18,867,000<span></span></td>
        <td class="nump">15,121,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">426,000<span></span></td>
        <td class="nump">282,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">19,444,000<span></span></td>
        <td class="nump">16,821,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">9,801,000<span></span></td>
        <td class="nump">9,493,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">12,747,000<span></span></td>
        <td class="nump">9,875,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">14,440,000<span></span></td>
        <td class="nump">9,875,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">9,801,000<span></span></td>
        <td class="nump">9,493,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">189,000<span></span></td>
        <td class="nump">54,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">12,747,000<span></span></td>
        <td class="nump">9,875,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Term [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">9,066,000<span></span></td>
        <td class="nump">5,628,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">6,697,000<span></span></td>
        <td class="nump">6,946,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">6,842,000<span></span></td>
        <td class="nump">6,946,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">9,066,000<span></span></td>
        <td class="nump">5,628,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">237,000<span></span></td>
        <td class="nump">228,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">6,697,000<span></span></td>
        <td class="nump">6,946,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">395,000<span></span></td>
        <td class="nump">478,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">0.70%<span></span></td>
        <td class="nump">1.20%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">6,459,000<span></span></td>
        <td class="nump">10,469,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">188,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,198,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">188,000<span></span></td>
        <td class="nump">1,198,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">6,271,000<span></span></td>
        <td class="nump">9,271,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">6,459,000<span></span></td>
        <td class="nump">10,469,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,198,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">821,000<span></span></td>
        <td class="nump">1,205,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,198,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,198,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">821,000<span></span></td>
        <td class="nump">1,205,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">1,198,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">560,000<span></span></td>
        <td class="nump">961,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">468,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">468,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">560,000<span></span></td>
        <td class="nump">961,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">468,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Residential Construction [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">261,000<span></span></td>
        <td class="nump">244,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">730,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">730,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">261,000<span></span></td>
        <td class="nump">244,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">730,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">235,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home equity line of credit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">11.40%<span></span></td>
        <td class="nump">12.10%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">99,082,000<span></span></td>
        <td class="nump">105,244,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">430,000<span></span></td>
        <td class="nump">480,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">133,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">1,136,000<span></span></td>
        <td class="nump">1,134,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">1,699,000<span></span></td>
        <td class="nump">1,614,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">97,383,000<span></span></td>
        <td class="nump">103,630,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">99,082,000<span></span></td>
        <td class="nump">105,244,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">539,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">654,000<span></span></td>
        <td class="nump">1,163,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">1,403,000<span></span></td>
        <td class="nump">918,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">1,311,000<span></span></td>
        <td class="nump">1,163,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">1,440,000<span></span></td>
        <td class="nump">1,163,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">1,403,000<span></span></td>
        <td class="nump">918,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">27,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">1,311,000<span></span></td>
        <td class="nump">1,163,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home equity line of credit [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">961,000<span></span></td>
        <td class="nump">646,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">1,311,000<span></span></td>
        <td class="nump">739,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">1,440,000<span></span></td>
        <td class="nump">739,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">961,000<span></span></td>
        <td class="nump">646,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">27,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">1,311,000<span></span></td>
        <td class="nump">739,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Home equity line of credit [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">442,000<span></span></td>
        <td class="nump">272,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">424,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">424,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">442,000<span></span></td>
        <td class="nump">272,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">424,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">91,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CompositionOfLoanPortfolioAbstract', window );"><strong>Composition of Loan Portfolio [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PercentageOfLoansReceivableByType', window );">Percentage of loan portfolio (in hundredths)</a></td>
        <td class="nump">1.70%<span></span></td>
        <td class="nump">1.90%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Amount of loan portfolio</a></td>
        <td class="nump">14,657,000<span></span></td>
        <td class="nump">16,788,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract', window );"><strong>Loans, aging disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable3059DaysPastDue', window );">Loans Receivable 30 59 Days Past Due</a></td>
        <td class="nump">101,000<span></span></td>
        <td class="nump">230,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoansReceivable6089DaysPastDue', window );">Loans Receivable 60 89 Days Past Due</a></td>
        <td class="nump">70,000<span></span></td>
        <td class="nump">101,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue', window );">90 Plus Days Past Due</a></td>
        <td class="nump">45,000<span></span></td>
        <td class="nump">16,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue', window );">All Past Due</a></td>
        <td class="nump">216,000<span></span></td>
        <td class="nump">347,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent', window );">Current</a></td>
        <td class="nump">14,441,000<span></span></td>
        <td class="nump">16,441,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Total</a></td>
        <td class="nump">14,657,000<span></span></td>
        <td class="nump">16,788,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing', window );">90 Plus Days And Accruing</a></td>
        <td class="nump">45,000<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Nonaccrual Loans Receivable</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">53,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">12,000<span></span></td>
        <td class="nump">96,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">53,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">53,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">12,000<span></span></td>
        <td class="nump">96,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">53,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member] | With No Related Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">3,000<span></span></td>
        <td class="nump">39,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">37,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">37,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">3,000<span></span></td>
        <td class="nump">39,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">37,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Consumer [Member] | With an Allowance Recorded [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract', window );"><strong>Nonaccrual Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average investment in impaired loans</a></td>
        <td class="nump">9,000<span></span></td>
        <td class="nump">57,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Recorded Investment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">16,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Unpaid Principal, Impaired Loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">16,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">11,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average Recorded Investment</a></td>
        <td class="nump">9,000<span></span></td>
        <td class="nump">57,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Recognized Interest Income</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment', window );">Balance of impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">16,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Allowance for loan losses</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 11,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CompositionOfLoanPortfolioAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CompositionOfLoanPortfolioAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ImpairedFinancingReceivableWithAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Portion of loans receivable balance which has an offsetting allowance for doubtful accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ImpairedFinancingReceivableWithAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ImpairedFinancingReceivableWithNoAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of loans receivable balance which doesn't have an offsetting allowance for doubtful accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ImpairedFinancingReceivableWithNoAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LoansReceivable3059DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are less than 60 days past due but more than 29 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LoansReceivable3059DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_LoansReceivable6089DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are more than 59 days past due and less than 90 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_LoansReceivable6089DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_PercentageOfLoansReceivableByType">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the break down of the gross carrying amount of all categories of loans and leases held in the portfolio, after deducting deferred income, but before deducting the allowance for losses on loans and leases as a percentage of total portfolio.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_PercentageOfLoansReceivableByType</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_RelatedPartyLoanReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, reflects the carrying amount of unpaid loan amounts which in aggregate exceed $60,000, due from related parties at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_RelatedPartyLoanReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>States the amount of the collateral pledged in support of Federal Home Loan Bank advances outstanding as of the Balance Sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 470<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6862952&amp;loc=d3e113969-111729<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 15<br><br> -Paragraph 17<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph f, h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresCollateralPledged</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are 90 days or more past due and still accruing.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5111-111524<br><br> -Subparagraph (d)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentAgingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are current.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financing receivables that are equal to or greater than 90 days past due.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5111-111524<br><br> -Subparagraph (d)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentPastDue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded Investment in financing receivables that are past due at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953401-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentPastDue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average recorded investment related to impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (c)(1)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5258-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest income recognized during the time within that period that the financing receivables were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod</nobr></td>
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                  <tr>
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                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest income recognized on a cash-basis method of accounting during the time within that period that the financing receivables were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (c)(3)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The recorded investment related to impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 14A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953550-111524<br><br> -Subparagraph (b)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRecordedInvestment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (a)(3)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The unpaid principal balance related to impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoanAndLeaseReceivablesImpairedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoanAndLeaseReceivablesImpairedAbstract</nobr></td>
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                    <td>us-gaap_</td>
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                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the cumulative amount of interest and fees paid by borrowers which have not yet been taken into income in conformity with GAAP. Also reflects the amount of unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans that are being amortized into income as an adjustment to yield.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378556&amp;loc=d3e10152-111534<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection I<br><br> -Paragraph 8<br><br> -Subparagraph a(i-v)<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 23<br><br> -Subparagraph a(i)(d)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952072&amp;loc=d3e45377-112738<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph f<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph e<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the amount of additional interest income that would have been recorded if impaired or nonperforming loans were instead current, in compliance with their original terms, and outstanding throughout the reporting period or since origination (if held for part of the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection I<br><br> -Paragraph 8<br><br> -Subparagraph j(ii)<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 15<br><br> -Paragraph 40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, after deducting deferred income, but before deducting the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 8<br><br> -Paragraph 116<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph e<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the amount of new advances made to related parties in the form of loan and lease receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 57<br><br> -Paragraph 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection I<br><br> -Paragraph 8<br><br> -Subparagraph j<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph e<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableRelatedPartiesAdditions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the amount of collections received from related parties to reduce the carrying amounts of loans and leases receivable due from them.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 57<br><br> -Paragraph 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection I<br><br> -Paragraph 8<br><br> -Subparagraph j<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph e<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableRelatedPartiesCollections</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansPledgedAsCollateral">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of loans that have been pledged as collateral for borrowings. If the secured party has the right by contract or custom to sell or re-pledge the collateral, then the debtor reclassifies that asset and report that asset in its statement of financial position separately from other assets not so encumbered.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 15<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5086-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6467456&amp;loc=d3e113888-111728<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansPledgedAsCollateral</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E3VAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Preferred and Common Stock (Details) (USD $)<br>In Millions, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2013</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Preferred Stock, Number of Shares, Par Value and Other Disclosures [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock', window );">Proceeds from issuance of CPP Shares</a></td>
        <td class="nump">$ 25<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_PerSharePurchasePriceOfCppShares', window );">Purchase price of CPP Shares (in dollars per share)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 1,000<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendRatePercentage', window );">Cumulative dividend rate of CPP Shares (in hundredths)</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CppSharesDividendPeriodAtLowerCouponRate', window );">CPP Shares dividend period (in years)</a></td>
        <td class="nump">5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CppSharesDividendRateAfterFirstFiveYears', window );">CPP Shares dividend rate after first five years (in hundredths)</a></td>
        <td class="nump">9.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockDividendPaymentTerms', window );">Dividend payment terms</a></td>
        <td class="text">payable quarterly in arrears on February 15, May 15, August 15 and November 15 of each year<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights', window );">Number of shares of common stock issuable pursuant to the Warrants, maximum (in shares)</a></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
        <td class="nump">225,904<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights', window );">Exercise price of the Warrants (in dollars per share)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 16.60<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_TermOfWarrantsIssued', window );">Term of warrants issued (in years)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice', window );">Assumptions used in determining fair value of warrants, common stock price (in dollars per share)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 16.6<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield', window );">Assumptions used in determining fair value of warrants, dividend yield (in hundredths)</a></td>
        <td class="nump">4.70%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility', window );">Assumptions used in determining fair value of warrants, stock price volatility (in hundredths)</a></td>
        <td class="nump">24.43%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate', window );">Assumptions used in determining fair value of warrants, risk-free interest rate (in hundredths)</a></td>
        <td class="nump">2.01%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ExpectedLifeOfCppSharesUponIssuance', window );">Expected life of CPP Shares upon issuance (in years)</a></td>
        <td class="nump">5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockNumberOfSharesParValueAndOtherDisclosuresAbstract', window );"><strong>Common Stock</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan', window );">Number of shares available to directors and employees for stock purchase or savings and investment plans (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">700,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan', window );">Number of shares issued under employee savings and investment plan (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">522,411<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan', window );">Number of shares available for future use under employee savings and investment plan (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">177,589<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans', window );">Number of shares issued during period, employee benefit plan (in shares)</a></td>
        <td class="nump">12,451<span></span></td>
        <td class="nump">12,775<span></span></td>
        <td class="nump">12,334<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan', window );">Number of shares registered with SEC for dividend reinvestment plan (in shares)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">600,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased', window );">Number of trading days immediately preceding dividend payment date used in determining per share price of shares purchased</a></td>
        <td class="nump">5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan', window );">Number of shares issued during period, dividend reinvestment plan (in shares)</a></td>
        <td class="nump">14,056<span></span></td>
        <td class="nump">14,387<span></span></td>
        <td class="nump">16,520<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Common stock price used as a significant assumption in determining fair value of warrants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsCommonStockPrice</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Dividend yield used as a significant assumption in determining fair value of warrants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsDividendYield</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Risk-free interest rate used as a significant assumption in determining fair value of warrants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsRiskFreeInterestRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Stock price volatility used as a significant assumption in determining fair value of warrants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_AssumptionsUsedInDeterminingFairValueOfWarrantsStockPriceVolatility</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CppSharesDividendPeriodAtLowerCouponRate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of years immediately following the issuance of preferred stock over which a certain cumulative dividend rate is applied.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CppSharesDividendPeriodAtLowerCouponRate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CppSharesDividendRateAfterFirstFiveYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage rate used to calculate dividend payments on preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CppSharesDividendRateAfterFirstFiveYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ExpectedLifeOfCppSharesUponIssuance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The expected life of shares of preferred stock upon the issuance of warrants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ExpectedLifeOfCppSharesUponIssuance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:decimalItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of shares of common stock available for future use.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfSharesAvailableForFutureUseUnderEmployeeSavingsAndInvestmentPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares of common stock available to sold to directors and employees under stock purchase or savings and investment plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfSharesAvailableForGrantUnderEmployeeSavingsAndInvestmentPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of shares issued under employee savings and investment plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfSharesIssuedUnderEmployeeSavingsAndInvestmentPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares registered with the Securities and Exchange Commission from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the shareholders to reinvest dividends paid to them by the entity on new issues of stock by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfSharesRegisteredPursuantToDividendReinvestmentPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of trading days immediately preceding the dividend payment date used in determining the per-share price of shares purchased at a price equal to the average of the daily bid and asked price reported on the national stock exchange.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_NumberOfTradingDaysUsedInDeterminingPerSharePriceOfSharesPurchased</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_PerSharePurchasePriceOfCppShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The dollar amount received by company for each share of preferred stock issued or sold under the US Treasury Purchase Program transaction.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_PerSharePurchasePriceOfCppShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_TermOfWarrantsIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The term - or time before expiration of warrants - of the warrants issued.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_TermOfWarrantsIssued</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exercise price of each class of warrants or rights outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph i<br><br> -Subparagraph 4<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(i)(4))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
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                <p>The specified number of securities that each class of warrants or rights outstanding give the holder the right but not the obligation to purchase from the issuer at a specific price, on or before a certain date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph i<br><br> -Subparagraph 2<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(i)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Specific information regarding dividend payment dates or timing and whether or not dividends are paid on a cumulative basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>The percentage rate used to calculate dividend payments on preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares issued during the period from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the shareholders to reinvest dividends paid to them by the entity on new issues of stock by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares issued during the period as a result of an employee stock purchase plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Fair Value Disclosures<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 19. Fair Value Disclosures</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Certain assets and liabilities are recorded at fair value to provide additional insight into the Company's quality of earnings. Some of these assets and liabilities are measured on a recurring basis while others are measured on a nonrecurring basis, with the determination based upon applicable existing accounting pronouncements. For example, securities available for sale are recorded at fair value on a recurring basis. Other assets, such as, mortgage servicing rights, loans held for sale, and impaired loans, are recorded at fair value on a nonrecurring basis using the lower of cost or market methodology to determine impairment of individual assets. The Company groups assets and liabilities which are recorded at fair value in three levels, based on the markets in which the assets and liabilities are traded and the reliability of the assumptions used to determine fair value. A financial instrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement (with level 1 considered highest and level 3 considered lowest). A brief description of each level follows.</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Level 1</font> &#8211; Valuation is based upon quoted prices for identical instruments in active markets.</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Level 2</font> &#8211; Valuation is based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market.</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; margin-left: 18pt; font-size: 10pt;"><font style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Level 3</font> &#8211; Valuation is generated from model-based techniques that use at least one significant assumption not observable in the market. These unobservable assumptions reflect estimates that market participants would use in pricing the asset or liability. Valuation includes use of discounted cash flow models and similar techniques.</div><div style="text-align: left;"><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The fair value methods and assumptions for the Company's financial instruments are set forth below.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Cash, Cash Equivalents and Interest-Bearing Deposits in Other Banks</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The carrying values of cash equivalents, due from banks and federal funds sold approximate their relative fair values. As such, the Company classifies these financial instruments as Level 1.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Investment Securities</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The fair values of investment securities are estimated by independent providers. In obtaining such valuation information from third parties, the Company has evaluated their valuation methodologies used to develop the fair values in order to determine whether the valuations are representative of an exit price in the Company's principal markets. The Company's principal markets for its securities portfolios are the secondary institutional markets, with an exit price that is predominantly reflective of bid level pricing in those markets. Fair values are calculated based on the value of one unit without regard to any premium or discount that may result from concentrations of ownership of a financial instrument, possible tax ramifications, or estimated transaction costs. If these considerations had been incorporated into the fair value estimates, the aggregate fair value could have been changed. The carrying values of restricted equity securities approximate fair values. As such, the Company classifies investment securities as Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loans Held for Sale</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans held for sale are recorded at the lower of carrying value or market value. The fair value of mortgage loans held for sale is based on what secondary markets are currently offering for portfolios with similar characteristics. As such, the Company classifies mortgage loans held for sale as nonrecurring Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Loans</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Fair values are estimated for portfolios of loans with similar financial characteristics. The fair values of performing loans are calculated by discounting scheduled cash flows through the estimated maturity using estimated market discount rates that reflect the credit and interest risk inherent in the loan. The estimates of maturity are based on the Company's historical experience with repayments for each loan classification, modified, as required, by an estimate of the effect of current economic and lending conditions, and the effects of estimated prepayments. Assumptions regarding credit risk, cash flows, and discount rates are judgmentally determined using available market information and specific borrower information. Management has made estimates of fair value using discount rates that it believes to be reasonable. However, because there is no market for many of these financial instruments, Management has no basis to determine whether the fair value presented above would be indicative of the value negotiated in an actual sale. As such, the Company classifies loans as Level 3, except for impaired loans. Fair values of impaired loans are based on estimated cash flows and are discounted using a rate commensurate with the risk associated with the estimated cash flows, or if collateral dependent, discounted to the appraised value of the collateral, less costs to sell. As such, the Company classifies impaired loans as Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Other Real Estate Owned</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Real estate acquired through foreclosure is recorded at fair value. The fair value of other real estate owned is based on property appraisals and an analysis of similar properties currently available. As such, the Company records other real estate owned as nonrecurring Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Mortgage Servicing Rights</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Mortgage servicing rights represent the value associated with servicing residential mortgage loans. Servicing assets and servicing liabilities are reported using the amortization method and compared to fair value for impairment. In evaluating the fair values of mortgage servicing rights, the Company obtains third party valuations based on loan level data including note rate, type and term of the underlying loans. As such, the Company classifies mortgage servicing rights as nonrecurring Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Accrued Interest Receivable</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The fair value estimate of this financial instrument approximates the carrying value as this financial instrument has a short maturity. It is the Company's policy to stop accruing interest on loans for which it is probable that the interest is not collectible. Therefore, this financial instrument has been adjusted for estimated credit loss. As such, the Company classifies accrued interest receivable as Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Deposits</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The fair value of deposits is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered for deposits of similar remaining maturities. The fair value estimates do not include the benefit that results from the low-cost funding provided by the deposits compared to the cost of borrowing funds in the market. If that value were considered, the fair value of the Company's net assets could increase. As such, the Company classifies deposits as Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Borrowed Funds</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The fair value of borrowed funds is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently available for borrowings of similar remaining maturities. As such, the Company classifies borrowed funds as Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Accrued Interest Payable</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The fair value estimate approximates the carrying amount as this financial instrument has a short maturity. As such, the Company classifies accrued interest payable as Level 2.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Off-Balance-Sheet Instruments</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Off-balance-sheet instruments include loan commitments. Fair values for loan commitments have not been presented as the future revenue derived from such financial instruments is not significant.</div><div><br /></div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Limitations</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These values do not reflect any premium or discount that could result from offering for sale at one time the Company's entire holdings of a particular financial instrument. Because no market exists for a significant portion of the Company's financial instruments, fair value estimates are based on Management's judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates. Fair value estimates are based on existing on- and off-balance-sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Other significant assets and liabilities that are not considered financial instruments include the deferred tax asset, premises and equipment, and other real estate owned. In addition, tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.</div><div><br /></div><div style="margin-bottom: 10pt;"><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Assets and Liabilities Recorded at Fair Value on a Recurring Basis</div><div><br /></div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table presents the balances of assets and liabilities that were measured at fair value on a recurring basis as of December 31, 2012 and 2011.</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">At December 31, 2012</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; 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vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; 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text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,577,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,577,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">At December 31, 2011</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Securities available for sale</div></div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Mortgage-backed securities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">198,232,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">198,232,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;State and political subdivisions</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">85,726,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; 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vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">811,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Other equity securities</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,433,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,433,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">286,202,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">286,202,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Assets and Liabilities Recorded at Fair Value on a Non-Recurring Basis</div><div><br /></div><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table presents assets measured at fair value on a nonrecurring basis as of December 31, 2012 and 2011. Other real estate owned is presented net of an allowance for losses of $373,000 and $436,000, respectively. Impaired loans are presented net of their related specific allowance for loan losses of $3,539,000 and $2,058,000, respectively.</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"><u>At December 31, 2012</u></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Mortgage servicing rights</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Loans held for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Other real estate owned</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">7,593,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">7,593,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Impaired loans</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">13,923,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">13,923,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total Assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">23,779,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">23,779,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="14" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;"><u>At December 31, 2011</u></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Level 3</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Mortgage servicing rights</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,581,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,581,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Loans held for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Other real estate owned</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,094,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,094,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Impaired loans</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">12,165,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">12,165,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 52%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Total Assets</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">17,840,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">17,840,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div></div><div><br /></div><div style="margin-bottom: 10pt;"><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Fair Value of Financial Instruments</div><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">FASB ASC Topic 825, "Financial Instruments," requires disclosures of fair value information about financial instruments, whether or not recognized in the balance sheet, if the fair values can be reasonably determined. 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vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;"></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;As of December 31, 2012</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">value</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">fair value</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Level 1</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: middle;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Level 2</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; 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vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: middle;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: middle;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: middle;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; 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width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,958,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,958,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Interest bearing deposits in other banks</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,638,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,638,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,638,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Securities available for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">291,614,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Securities to be held to maturity</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">143,320,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">150,247,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">150,247,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Restricted equity securities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,448,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,448,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,448,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans held for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,035,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Loans (net of allowance for loan losses)</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Commercial</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Real estate</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">245,046,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">244,365,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,865,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">239,500,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Construction</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">20,960,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">20,902,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">2,284,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">18,618,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Other</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">78,985,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">79,312,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">472,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">78,840,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">16,058,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">16,058,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Residential</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Term</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">378,258,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">390,223,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">6,302,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">383,921,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Construction</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,447,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,430,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">6,430,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Home equity line of credit</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">98,381,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">99,038,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">99,038,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Consumer</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">14,022,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">14,392,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">14,392,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Total loans</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">856,784,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">870,720,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">13,923,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">856,797,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Mortgage servicing rights</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">867,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,228,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; 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text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,912,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,912,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Financial liabilities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Demand deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">90,252,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">91,544,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">91,544,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">NOW deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">147,309,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">141,436,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">141,436,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Money market deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">80,983,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">71,799,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">71,799,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Savings deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">135,250,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">126,142,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">126,142,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Local certificates of deposit</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">218,571,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">223,748,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">223,748,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">National certificates of deposit</div></div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">286,485,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,457,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,457,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Total deposits</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">958,850,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">945,126,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">945,126,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Repurchase agreements</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">101,504,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">101,504,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">101,504,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Federal Home Loan Bank advances</div></div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">181,401,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">189,321,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">189,321,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 0.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Total borrowed funds</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">282,905,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,825,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">290,825,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 40%; vertical-align: bottom;"><div><div style="text-align: left; 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text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">619,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">619,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div><div><br /></div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The estimated fair values for financial instruments as of December 31, 2011 were as follows:</div><div><br /></div><div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td colspan="6" valign="bottom" style="vertical-align: bottom; border-top: #000000 1.5pt solid;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;"><u>December 31, 2011</u></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div>&#160;</div></div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Carrying</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Estimated</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;</div></div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">amount</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom;"><div><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">fair value</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; padding-bottom: 2px; vertical-align: bottom;"><div>&#160;</div></td></tr><tr><td valign="bottom" style="vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Financial assets</div></div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="vertical-align: bottom;"><div>&#160;</div></td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div><div></div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; 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font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Securities available for sale</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; 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vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">-</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Loans (net of allowance for loan losses)</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; 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text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">4,835,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;">Financial liabilities</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div>&#160;</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Deposits</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></div></td><td valign="bottom" style="text-align: right; 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font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Borrowed funds</div></div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">265,663,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">273,568,000</div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Accrued interest payable</div></div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">734,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">734,000</div></div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div>&#160;</div></td></tr></table></div></div></div><span></span></td>
      </tr>
    </table>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19296-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 159<br><br> -Paragraph 17-22, 27, 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15C, 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14064-108612<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13504-108611<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15A<br><br> -Subparagraph a-d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
        <td class="nump">169,093,000<span></span></td>
        <td class="nump">198,232,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure', window );">State and municipal bonds</a></td>
        <td class="nump">120,944,000<span></span></td>
        <td class="nump">85,726,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure', window );">Corporate securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">811,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure', window );">Other equity securities</a></td>
        <td class="nump">1,577,000<span></span></td>
        <td class="nump">1,433,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="nump">286,202,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure', window );">State and municipal bonds</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure', window );">Corporate securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure', window );">Other equity securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
        <td class="nump">169,093,000<span></span></td>
        <td class="nump">198,232,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure', window );">State and municipal bonds</a></td>
        <td class="nump">120,944,000<span></span></td>
        <td class="nump">85,726,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure', window );">Corporate securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">811,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure', window );">Other equity securities</a></td>
        <td class="nump">1,577,000<span></span></td>
        <td class="nump">1,433,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">291,614,000<span></span></td>
        <td class="nump">286,202,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure', window );">Mortgage-backed securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure', window );">State and municipal bonds</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure', window );">Corporate securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure', window );">Other equity securities</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">23,779,000<span></span></td>
        <td class="nump">17,840,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">1,228,000<span></span></td>
        <td class="nump">1,581,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">1,035,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherRealEstateOwnedFairValueDisclosure', window );">Other real estate owned</a></td>
        <td class="nump">7,593,000<span></span></td>
        <td class="nump">4,094,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ImpairedLoansFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="nump">13,923,000<span></span></td>
        <td class="nump">12,165,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherRealEstateOwnedFairValueDisclosure', window );">Other real estate owned</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ImpairedLoansFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">23,779,000<span></span></td>
        <td class="nump">17,840,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">1,228,000<span></span></td>
        <td class="nump">1,581,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">1,035,000<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherRealEstateOwnedFairValueDisclosure', window );">Other real estate owned</a></td>
        <td class="nump">7,593,000<span></span></td>
        <td class="nump">4,094,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ImpairedLoansFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="nump">13,923,000<span></span></td>
        <td class="nump">12,165,000<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Fair Value, Measurements, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsFairValueDisclosure', window );">Total assets</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ServicingAssetAtFairValueAmount', window );">Mortgage servicing rights</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansHeldForSaleFairValueDisclosure', window );">Loans held for sale</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_OtherRealEstateOwnedFairValueDisclosure', window );">Other real estate owned</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ImpairedLoansFairValueDisclosure', window );">Impaired loans</a></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 0<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents a certain statement of financial position asset caption which represents corporate securities measured at fair value on a recurring basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_CorporateSecuritiesAvailableForSaleFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_ImpairedLoansFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the fair value disclosure of impaired loans that have had a fair value adjustment since their initial recognition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_ImpairedLoansFairValueDisclosure</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents other equity securities not previously disclosed.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_OtherEquitySecuritiesAvailableForSaleFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_OtherRealEstateOwnedFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the fair value disclosure of other real estate owned that have had a fair value adjustment since their initial recognition.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_OtherRealEstateOwnedFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents a certain statement of financial position asset caption which represents a class of assets, or which may include an individual asset, measured at fair value on a recurring basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>fnlc_StateAndMunicipalSecuritiesAvailableForSaleFairValueDisclosure</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>fnlc_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the aggregate of the assets reported on the balance sheet at period end measured at fair value by the entity. This element is intended to be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsFairValueDisclosure</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (a)(3)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansHeldForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents loans held-for-sale as presented on the statement of financial position which may include mortgage loans held-for-sale, finance receivables held-for-sale, or any other loans classified as held-for-sale which are due the Company as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansHeldForSaleFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents securitized, pay-through debt securities collateralized by real estate mortgage loans (mortgages) as of the balance sheet date which have been categorized as available-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 7<br><br> -Paragraph 15<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Mortgage-Backed Securities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6517959<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ServicingAssetAtFairValueAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value as of the balance sheet date of an asset representing net future revenues from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph B9<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 13A, 13B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph f(1)(a)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6863725&amp;loc=d3e122625-111746<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ServicingAssetAtFairValueAmount</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYDAC">
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          <div style="width: 200px;"><strong>Allowance for Loan Losses (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesProvisionForLossNetAbstract', window );"><strong>Allowance for Loan and Lease Losses, Provision for Loss, Net [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">&#160;&#160;&#160;&#160;&#160;&#160;The following table summarizes the composition of the allowance for loan losses, by class of financing receivable and allowance, as of December 31, 2012 and 2011:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: left; font-style: italic; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">As of December 31,</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; 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width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">&#160;&#160;&#160;Term</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">584,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="border-bottom: #000000 2px solid; width: 76%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Unallocated</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; 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text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 9%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">13,000,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr></table></div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_LoanLossesByLoanSegmentAndAllowanceElementTableTextBlock', window );">Loan losses by loan segment and allowance element [Table Text Block]</a></td>
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      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock', window );">Summary of Risk Ratings for Loans</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table summarizes the risk ratings for the Company's commercial construction, commercial real estate, commercial other and municipal loans as of December 31, 2012:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div>&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 1.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 1.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Commercial</div><div style="text-align: center; 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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ActivityInAllowanceForLoanLossesByPortfolioAndSegmentTableTextBlock', window );">Allowance for Loan Losses Transactions</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">There were no changes to the Company's accounting policies or methodology used to estimate the allowance for loan losses during the year ended December 31, 2012. 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font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Allowance for loan losses:</div></td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; vertical-align: bottom;">&#160;</td><td valign="bottom" style="vertical-align: bottom;">&#160;</td><td colspan="2" valign="bottom" style="vertical-align: bottom;"><div></div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">12,500,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 20%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Ending balance specifically</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">evaluated for impairment</div></td><td valign="bottom" style="width: 1%; 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vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; 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width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">2,377,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">19,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,408,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">44,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">670,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">646,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,880,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">13,316,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #ffffff;"><td valign="bottom" style="width: 20%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Charge offs</div></td><td valign="bottom" style="width: 1%; 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width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">6,492,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,421,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">11,179,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td></tr><tr style="background-color: #cceeff;"><td valign="bottom" style="width: 20%; vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Recoveries</div></td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">23,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; 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vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">1,159,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">255,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">595,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">478,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">235,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; 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vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;">&#160;</td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; 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vertical-align: bottom;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">Ending balance</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">5,260,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; 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text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">1,408,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">646,000</div></td><td nowrap="nowrap" valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="border-bottom: #000000 2px solid; text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; 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width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">152,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">291,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">432,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">122,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">67,000</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="width: 1%; vertical-align: bottom;">&#160;</td><td valign="bottom" style="text-align: left; width: 1%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">$</div></td><td valign="bottom" style="text-align: right; width: 5%; vertical-align: bottom;"><div style="font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt;">-</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock', window );">Troubled debt restructurings by class and specific reserve</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">The following table shows TDRs by class and the specific reserve as of December 31, 2012:</div><div><br /></div><table cellpadding="0" cellspacing="0" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;"><tr><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">&#160;</div></td><td valign="bottom" style="padding-bottom: 2px; vertical-align: bottom; border-top: #000000 0.5pt solid;">&#160;</td><td colspan="2" valign="bottom" style="border-bottom: #000000 2px solid; vertical-align: bottom; border-top: #000000 0.5pt solid;"><div style="text-align: center; font-family: ''Times New Roman'', Times, serif; color: #000000; font-size: 10pt; font-weight: bold;">Number of Loans</div></td><td nowrap="nowrap" valign="bottom" style="text-align: left; 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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_fnlc_ScheduleOfTroubledDebtRestructuringsByTypeAndSpecificReserveTableTextBlock', window );">Loans placed on troubled debt restructurings by class and specific reserve</a></td>
        <td class="text"><div><div style="text-align: left; text-indent: 18pt; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">As of December 31, 2012, 12 of the loans classified as TDRs with a total balance of $2,413,000 were more than 30 days past due. Of these loans, six loans with an outstanding balance of $1,059,000 had been placed on TDR status in the previous 12 months. 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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure for the roll forward of change in allowance for loan losses from period to period and related loan balances.</p>
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                <p>No definition available.</p>
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                <p>Tabular disclosure for the allowance which consists of four elements: (1) specific reserves for loans evaluated individually for impairment; (2) general reserves for types or portfolios of loans based on historical loan loss experience, (3) qualitative reserves judgmentally adjusted for local and national economic conditions, and other factors as applicable; and (4) unallocated reserves.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <p>Tabular disclosure of loans placed on troubled debt restructurings status by type of loan and the associated specific reserve included in the allowance for loan losses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953423-111524<br><br><br><br></p>
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                <p>Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.</p>
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                <p>Tabular disclosure of financing receivables and troubled debt restructurings.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953670-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953676-111524<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Borrowed Funds<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2012</div>
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        <td class="text"><div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt; font-weight: bold;"><u>Note 12. Borrowed Funds</u></div><div><br /></div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">Borrowed funds consist of advances from the Federal Home Loan Bank of Boston (FHLB), Treasury Tax &amp; Loan Notes, and securities sold under agreements to repurchase with municipal and commercial customers. Pursuant to</div><div style="text-align: left; font-family: ''Times New Roman'', Times, serif; font-size: 10pt;">collateral agreements, FHLB advances are collateralized by all stock in FHLB, qualifying first mortgage loans, U.S. Government and Agency securities not pledged to others, and funds on deposit with FHLB. 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                <p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19,20,22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 20, 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br></p>
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